BuildMyCreditScore is a debit card that works with your bank, ensuring you can only spend the money that's in your account.
Once you’ve spent, we'll process the payment a few days later using direct debit.* We’ll let you know at the end of each day, the date that direct debit will happen.
At the end of each month, we report your purchases and payments to the Credit Reference Agencies, helping you to build credit.
* Timing of Direct Debit collections is based on the UK BACS scheme, and will generally be from 2 to 4 days depending on weekends and holidays.
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