📖 Frequently Asked Questions
We have compiled a list of frequently asked questions to help you find instant answers to your queries
What is Foundation Credit?
Foundation Credit helps you build your credit while giving you access to store vouchers. You pay 50% upfront and the remaining 50% a month later — all while we report your payments to the credit reference agencies.
How does the credit work?
You choose a plan with a credit limit. When you buy vouchers, you pay half now and the rest at the end of the month. We don’t charge interest — just your monthly subscription fee.
Do you run a credit check?
No, we don’t run a credit check to join. Everyone is welcome, and it’s designed to help you build or improve your credit profile.
Can I cancel anytime?
Yes, you can cancel your subscription at any time, but you’ll need to settle any outstanding balance before closing your account
What happens if I miss a payment?
We encourage you to pay on time to protect your credit. If you miss a payment, we may report it to the credit reference agencies, which could affect your credit rating.
What can I buy with the vouchers?
You can use your vouchers at a range of popular UK retailers. We’ll provide a list of participating stores when you sign up.