Times are changing, and so is the way we’re banking. This  Zopa Credit Card review will show a few reasons to apply for this modern card.

This card’s different approach has won over many consumers in the UK. If you’re curious about its features, keep reading his informative post.

Many UK residents already know Zopa for its personal loan offers. Now, you can also get a credit card from Zopa.

Thus, Zopa Credit Card communicates pretty well with the younger audience, with its modern approach to finances and focus on online services.

Everything is done online, through their website, from the application process to the account management, especially on the mobile app.

Moreover, this mobile app has very useful features for those who need a good tool to manage their finances.

The purchase and cash APR is a little salty, but if you pay your bill on time, you’ll have no problem with its rates and will build a great credit score.

Zopa Credit Card has no fancy rewards, but it will go straight to the point: an efficient credit lien to help you use credit and build your score.

And as there are many cards with this same purpose, read the pros and cons of this Zopa Credit Card review:

Zopa does not disclose a minimum credit score. However, this card is designed for people looking to rebuild their scores.

However, you can check your eligibility before your credit score is checked, which is great for those with damaged scores.

Like everything related to this credit card, the application process is also online and straightforward. 

Before you apply for the Zopa Credit Card, you can check your eligibility. This way, you’ll not waste a credit check on a credit card you’re not getting.

To do this, access Zopa’s website and see the “check my eligibility” button on the first page. Click on it, and you’ll be redirected to a form.

This form has 12 questions about your personal info, address, finances, and employment. It’s just the usual for a credit card application. Pay attention when filling out the form.

Zopa will analyze your profile and give you an answer. If you’re eligible, you’ll receive the credit card offer and can complete the application as they say. 

You must also send some documents. Lastly, your card can be approved in a few or 10 days.

Indeed, their mobile app will manage everything related to your Zopa Credit card. So, having a suitable smartphone is a basic requirement.

However, per the previous instructions, you must apply for the Zopa Credit Card on the website. Once you’re approved, you can download the app.

Thus, the mobile app has useful features, including setting aside a portion of your credit limit. It will also help you build your credit score!

As life is made of choices, choosing a credit card is just another decision in your adult life. But luckily, you have plenty of options to choose from.

Here, we’ll present you with an alternative if you’re unsure about the Zopa Credit Card but need a credit card to build credit.

Aqua Classic Credit Card will cost you nothing yearly.

Both cards are suitable for low scores. If you’d like to learn more about the Aqua Classic Credit Card, please see the following content.