I wish there was a way to improve your credit by spending on your Monzo card. It would make the need for a credit card redundant.
Not too sure how it would work, but it would be great if you could spend as normal and it would help raise your credit score.
Or a facility where the overdraft acts as the credit - so you can choose to spend with the overdraft & repay every month in full in order to improve your credit? The key difference being, you’re not using your overdraft as a fallback but you’re actively choosing to use it even if you have money in the account?
Hope this isn’t too rambly. I just want a way to increase my credit score without having to spend on my CC as it ruins my budget/set up that I have with Monzo…