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Review of the Zopa, Credit card:

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Good app, seems quite harsh on limit reviews

I have had a Zopa card for just over a year, it was the first CC I had out of an IVA, I find the app, card and service really good, but my very modest limit of 300 quid remains, I have since had two other cards, that have had credit limits greatly raised and my credit score on all 3 agencies is almost perfect. Despite a perfect payment history, my worthiness has not increased and neither has my limit, so I don't use the card very often, I only use it now if I'm wearing a mask, can't use apply pay and need a contactless payment, at drive-throughs, I'm not in desperate need for credit, just needed to improve my rating, and as it's best to just use 25% of the limit, hopefully one day they will up it, in the mean time it's no quite redundant. Good for a first time card, I can imagine, it would be better if the limit was higher. Reviewed on: 25th January 2022

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