Flex credit card

[DazF (Daz Fisher)]

I have searched and seen a couple of responses around credit reference agencies and how they see Flex but cannot understand why I have not had a hard search for Flex seen as I was one of the lucky early adopters with physical flex card.
Credit karma lists my Flex as ‘budget account’, what does that mean?

[Revels]

Introducing Monzo Flex – a better way to pay later

It was a decision we took in the early days of Flex - Since then we’ve made a bunch of product changes - so it’s something we could revisit. As mentioned above it has effectively the same impact as a credit card, but given where we are now, there’s definitely a potential benefit to reporting directly as a credit card to reduce confusion.

[Carlo1460]

Still falls into credit cards, ignore what your file says, that’s for their category stuff, If a lender asks how many credit cards you have, you’d include Flex.

[DazF (Daz Fisher)]

Perfect that’s all I wanted to know, cheers Carlo