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Review of the Zopa, Credit card:
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Generally decent experience, so far

4
For my circumstances, zoopa has been fine. I didn't need or particularly want a credit card, but was advised it helps strengthen credit scores. The ability to set this to my needs grants a sense of control. Only downsides are that the system is old and doesn't allow for me to add my title, so I haven't been able to explore other services. The CS side has felt AI or scripted, but overall, UX has been positive for me. Reviewed on: 6th March 2026

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