Credit Card

Credit cards allow you to pay for things using credit. You then repay what you've spent. If you don’t pay your full balance by the due date, interest is typically added to what you owe.

You can get physical credit cards, as well as digital versions that can be used through your phone’s wallet app.

Read more about how credit cards work.

There are many different reasons why you might get a credit card.

Many people get credit cards to build credit. Managing your credit card responsibly and making your repayments on time can help to increase your credit score. This could help you access better loans and forms of credit in the future.

Credit cards can also offer you more financial freedom. When you make a purchase on a credit card, you don't pay immediately (you pay when you make repayments to your card). But remember, you should only borrow what you can afford to pay back by the end of the month.

Some people find them useful for budgeting purposes, which can be made much simpler with a credit card app like ours, which helps you keep track of your spending.

A digital credit card means you have one less thing to think about when you leave the house. As long as you have your phone, you're good to go.

You can spend with your Zable credit card using Apple Pay and Google Pay. Although it won't take long for your physical card to arrive, you could start using your virtual credit card instantly, if you’re eligible.

Having an online credit card app, like Zable, means you'll have better visibility of your spending and get a handle on your credit score too.

To apply for a credit card with us, you must:

• Be over 18
• Live in the UK
• Not already hold a Zable credit card
• Have a monthly income over £800

When you check your eligibility for a Zable card, you’ll receive an instant decision without impacting your credit score.

You can benefit from a 35-day interest-free period when you pay your total statement balance each month.

All you need to do is repay your statement balance on or before your chosen payment date, which can be done through automatic repayments set up on the app. You can also make one-off repayments through the Repay tab.

We perform a “soft check” (meaning your credit score won’t be affected, as it won’t show on your credit profile) when you check your eligibility for a credit card with Zable. At this stage, you will know if you are eligible for a card, your personalised APR, and your credit limit.

We perform a hard search only once you've accepted your offer by signing legal documents.

Once a hard check has been completed, this will be visible on your credit report. Numerous hard searches in a short amount of time could make some lenders more hesitant to lend you credit.

View our credit report page for more information and find out how to check your credit score.

Zable helps you build your credit rating with smart in-app features.

The app gives you a clear overview of your credit card spending so that you can easily track your expenses and stay within your limit.

You can also use it to ensure you're making timely repayments. These can be done instantly or by setting up regular monthly payments when you connect your bank account. You can update your payment details easily through the app if needed.

We charge a late fee of up to £12 if you don't pay at least your minimum payment by your due date. For this reason, we encourage you to set up monthly payments so you don't forget.

Find out more about the fees we charge.

We always advise responsible borrowing and offer in-app features to help you stay on top of your finances. However, if you need additional help, please get in touch with us through our live chat feature as soon as possible. Find out more information with reputable organisations such as StepChange Debt Charity, The National Debtline and Money Advice Service including the cost-of-living ‘Help for Households’ campaign.