Absolutely yes…that’s what we’re here for.

When you use Pillar, we’ll report your usage of the card to all three major credit reference agencies in the UK (Experian, Equifax and TransUnion - in case you were wondering) so that you can build your credit score. Whilst you’re using Pillar, we’ll also send you personalised hints and tips designed to help you quickly boost your score.

If you use the product in line with those hints and tips, you should see your score begin to improve!

We do have to let you know that your credit score may go down as well as up, and will be impacted by other factors (not related to Pillar) - such as your payments on credit products such as any loans or other credit cards you may have.

If you do miss any payments with a Pillar credit card, we’re obliged to report this to the credit reference agencies - and this will have a negative impact on your credit score.