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Review of the Zopa, Credit card:

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Poor credit card

Started off well but be warned. Took out a credit card to take advantage of the balance transfer offer for 6 months. They claim to give you a total credit limit and break that down on what you can use for purchases and what you can use for balance transfers. I was given a total of £1400 which was £1000 to be used for transfers and £400 for purchases and my credit file was updated to reflect this. I used £1000 available and payed it all back within 6 months never being late or no missed payments. They then with no warning lowered my credit limit to £400 for purchases only and reflected this on my credit report. This had a negative effect on my credit file has it effects credit ratios. Do not recommend at all. Reviewed on: 14th January 2023

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