# Zilch Help Center

> Help center for Zilch

## English

### Getting started

- [How do I sign up to Zilch?](https://help.zilch.com/en/articles/6586-how-do-i-sign-up-to-zilch.md): How to create a Zilch account
- [What ID can I use to sign up to Zilch?](https://help.zilch.com/en/articles/10896-what-id-can-i-use-to-sign-up-to-zilch.md): Find out what documents you can use to verify your identity.
- [What is my Zilch credit limit?](https://help.zilch.com/en/articles/8484-what-is-my-zilch-credit-limit.md): Find out how much you can spend with Zilch.
- [Does Zilch affect my credit score?](https://help.zilch.com/en/articles/22784-does-zilch-affect-my-credit-score.md): See how using Zilch may impact your credit score.
- [What is Zilch?](https://help.zilch.com/en/articles/10083-what-is-zilch.md): Shop online and in-store with flexible ways to pay.
- [Is Zilch good for building my credit score?](https://help.zilch.com/en/articles/166293-is-zilch-good-for-building-my-credit-score.md): Get the credit you deserve.

### Shopping with Zilch

- [What is Snooze?](https://help.zilch.com/en/articles/458497-what-is-snooze.md): An easy way to get more time to pay
- [What is Tap and Pay?](https://help.zilch.com/en/articles/8398-what-is-tap-and-pay.md): Use Tap and Pay to make in-store purchases with Zilch
- [How to pay with Zilch](https://help.zilch.com/en/articles/161469-how-to-pay-with-zilch.md): Use Zilch online or in-store.
- [Using Zilch for subscriptions](https://help.zilch.com/en/articles/6693-using-zilch-for-subscriptions.md): Pay for subscriptions with Zilch.
- [How do I increase my available credit?](https://help.zilch.com/en/articles/23629-how-do-i-increase-my-available-credit.md): Get more credit to spend with Zilch.
- [How do I use vouchers with Zilch?](https://help.zilch.com/en/articles/27924-how-do-i-use-vouchers-with-zilch.md): Add voucher and discount codes to your Zilch purchases.
- [Why can't I use Zilch at certain stores?](https://help.zilch.com/en/articles/20371-why-can-t-i-use-zilch-at-certain-stores.md): Find out why some stores aren't supported by Zilch
- [How to use Zilch with Apple Pay](https://help.zilch.com/en/articles/476538-how-to-use-zilch-with-apple-pay.md): Use Zilch with Apple Pay for online and in-app purchases
- [Can I use Zilch abroad?](https://help.zilch.com/en/articles/161327-can-i-use-zilch-abroad.md): Find out how Zilch works when you shop outside the UK
- [How to unlock up to 20% off at Arsenal](https://help.zilch.com/en/articles/719112-how-to-unlock-up-to-20-off-at-arsenal.md): 10% off when you pay with Zilch + 10% off as an Arsenal member
- [What are smart settings?](https://help.zilch.com/en/articles/161669-what-are-smart-settings.md): Choose how you want to pay if you shop without enabling your Zilch card.

### Payments

- [How to make repayments](https://help.zilch.com/en/articles/164376-how-to-make-repayments.md): Find out how repayments work with Zilch.
- [How to delay a payment with Snooze](https://help.zilch.com/en/articles/6622-how-to-delay-a-payment-with-snooze.md): Give yourself an extra 4 or 8 days to pay.
- [I’m unable to make a repayment](https://help.zilch.com/en/articles/9972-i-m-unable-to-make-a-repayment.md): Find out what to do if you're worried about missing a payment
- [Paying with Pay by Bank](https://help.zilch.com/en/articles/344800-paying-with-pay-by-bank.md): Learn how Pay by Bank works

### Managing your Zilch card

- [Your digital Zilch card](https://help.zilch.com/en/articles/8291-your-digital-zilch-card.md): View your Zilch card details and manage your Zilch card
- [How to add your Zilch card to a digital wallet](https://help.zilch.com/en/articles/161482-how-to-add-your-zilch-card-to-a-digital-wallet.md): Use Tap and Pay in-store with your Zilch card
- [Order, receive and activate your physical Zilch card](https://help.zilch.com/en/articles/406000-order-receive-and-activate-your-physical-zilch-card.md): Everything you need to know about ordering and activating your physical Zilch card
- [Your digital Zilch card](https://help.zilch.com/en/articles/406043-your-digital-zilch-card.md): View your Zilch card details and manage your Zilch card
- [Manage your physical card PIN](https://help.zilch.com/en/articles/406044-manage-your-physical-card-pin.md): View or change the PIN for your physical Zilch card
- [Lost, stolen or damaged physical card](https://help.zilch.com/en/articles/406048-lost-stolen-or-damaged-physical-card.md): What should I do if my physical Zilch card is lost, stolen or damaged?
- [How to use a Physical Zilch card](https://help.zilch.com/en/articles/406054-how-to-use-a-physical-zilch-card.md): Learn how your physical Zilch card works.
- [How do I Freeze my card?](https://help.zilch.com/en/articles/173102-how-do-i-freeze-my-card.md): Freeze your Zilch card to temporarily prevent new purchases

### Refunds

- [Where's my refund?](https://help.zilch.com/en/articles/7128-where-s-my-refund.md): Find out how refunds work and when to expect your refund.
- [Refund terms and conditions](https://help.zilch.com/en/articles/8417-refund-terms-and-conditions.md): Want to get a refund on your Zilch purchase? Here are the T&Cs you need to know

### Rewards and referrals

- [What are Zilch Rewards?](https://help.zilch.com/en/articles/10090-what-are-zilch-rewards.md): Earn Rewards on eligible purchases and use them to reduce the cost of future purchases
- [I’ve got missing or negative Zilch Rewards](https://help.zilch.com/en/articles/8403-i-ve-got-missing-or-negative-zilch-rewards.md): Find out why your Rewards are missing or why your Rewards balance is negative.
- [How do I refer a friend to Zilch?](https://help.zilch.com/en/articles/6607-how-do-i-refer-a-friend-to-zilch.md): Earn Rewards when you invite friends to join Zilch.
- [Referrals terms and conditions](https://help.zilch.com/en/articles/59549-referrals-terms-and-conditions.md): All you need to know about the T&Cs of our referral scheme

### Purchase issues

- [Why can't I see my purchase?](https://help.zilch.com/en/articles/162212-why-can-t-i-see-my-purchase.md): What to do if you can't see your purchase in the app.
- [Why was my purchase declined?](https://help.zilch.com/en/articles/6666-why-was-my-purchase-declined.md): Find out why a Zilch purchase may be declined
- [Tap and Pay not working](https://help.zilch.com/en/articles/162215-tap-and-pay-not-working.md): Troubleshooting Tap and Pay payments with Zilch
- [How do I dispute a purchase?](https://help.zilch.com/en/articles/8758-how-do-i-dispute-a-purchase.md): What to do if you haven't been able to resolve an issue with the retailer
- [My order is missing or damaged](https://help.zilch.com/en/articles/6682-my-order-is-missing-or-damaged.md): What to do if you're unhappy with an order.
- [Why was I charged in full for my Pay over 6 weeks purchase?](https://help.zilch.com/en/articles/162209-why-was-i-charged-in-full-for-my-pay-over-6-weeks-purchase.md): Purchase didn't go through as you expected? Here's what to do.
- [What is Section 75 purchase protection?](https://help.zilch.com/en/articles/165488-what-is-section-75-purchase-protection.md): Learn about Section 75 protection on eligible Zilch purchases

### Your Zilch account

- [How do I update my account details?](https://help.zilch.com/en/articles/8616-how-do-i-update-my-account-details.md): Find out how to update your personal details in the Zilch app
- [Why is my account blocked?](https://help.zilch.com/en/articles/160779-why-is-my-account-blocked.md): Find out why your Zilch account may be on hold
- [Problems logging in or changing your password](https://help.zilch.com/en/articles/20165-problems-logging-in-or-changing-your-password.md): Get help accessing your Zilch account and managing your password
- [How do I close my account?](https://help.zilch.com/en/articles/10452-how-do-i-close-my-account.md): Find out how to close your Zilch account
- [Customer terms of use](https://help.zilch.com/en/articles/6600-customer-terms-of-use.md): Read Zilch Technology Limited’s terms and conditions
- [Membership terms of use](https://help.zilch.com/en/articles/393308-membership-terms-of-use.md): Read Zilch Membership terms of use
- [How do I link a debit card?](https://help.zilch.com/en/articles/12604-how-do-i-link-a-debit-card.md): Link a debit card to your Zilch account

### Report something suspicious

- [What should I do if I don't recognise a purchase?](https://help.zilch.com/en/articles/6696-what-should-i-do-if-i-don-t-recognise-a-purchase.md): Find out what to do if you see an unrecognised purchase on your account
- [I received a verification code I wasn't expecting](https://help.zilch.com/en/articles/184824-i-received-a-verification-code-i-wasn-t-expecting.md): Find out what to do if you receive an unexpected verification code
- [How can I keep my account safe?](https://help.zilch.com/en/articles/247020-how-can-i-keep-my-account-safe.md): Learn how to protect your Zilch account from fraud and scams
- [How to manage identity theft](https://help.zilch.com/en/articles/665373-how-to-manage-identity-theft.md): What should I do if I think my identity has been stolen?

### Contact Zilch

- [How to contact Zilch](https://help.zilch.com/en/articles/14874-how-to-contact-zilch.md): Get help from our Support team
- [How to make a complaint](https://help.zilch.com/en/articles/6598-how-to-make-a-complaint.md): Find out how to make a complaint to Zilch

### Extra care

- [How do I manage the account of someone who has passed away?](https://help.zilch.com/en/articles/665347-how-do-i-manage-the-account-of-someone-who-has-passed-away.md): Find out what to do if a Zilch customer has passed away
- [I’m struggling with my mental health – what support can I get?](https://help.zilch.com/en/articles/665349-i-m-struggling-with-my-mental-health-what-support-can-i-get.md): Find out what support may be available if your mental health is affecting your finances
- [I’m feeling unsafe and controlled financially](https://help.zilch.com/en/articles/665351-i-m-feeling-unsafe-and-controlled-financially.md): Get support if someone is controlling your finances or access to your accounts
- [What accessibility support does Zilch offer?](https://help.zilch.com/en/articles/665352-what-accessibility-support-does-zilch-offer.md): Find out what accessibility support is available
- [Can I get neurodivergent-friendly support?](https://help.zilch.com/en/articles/665353-can-i-get-neurodivergent-friendly-support.md): Find out what support may be available
- [Can I manage my account without regular internet access?](https://help.zilch.com/en/articles/665354-can-i-manage-my-account-without-regular-internet-access.md): Find out what support may be available if you have limited internet access
- [How do I get account support if I’m dealing with serious illness?](https://help.zilch.com/en/articles/665355-how-do-i-get-account-support-if-i-m-dealing-with-serious-illness.md): Find out what support may be available if you're living with a serious illness or health condition
- [How to manage the account of someone you’re caring for](https://help.zilch.com/en/articles/665356-how-to-manage-the-account-of-someone-you-re-caring-for.md): Need to step in on someone’s behalf? Here’s how.
- [Can you use Zilch if you have cognitive challenges?](https://help.zilch.com/en/articles/665358-can-you-use-zilch-if-you-have-cognitive-challenges.md): Find out what support may be available if you're living with cognitive challenges
- [I’m recently out of prison – can I use Zilch?](https://help.zilch.com/en/articles/665362-i-m-recently-out-of-prison-can-i-use-zilch.md): Find out how Zilch may be able to support you
- [I’m struggling with gambling – can you help?](https://help.zilch.com/en/articles/665363-i-m-struggling-with-gambling-can-you-help.md): Find out what support may be available if gambling is affecting your finances or wellbeing
- [Why am I being contacted by CRS or Zinc?](https://help.zilch.com/en/articles/27274-why-am-i-being-contacted-by-crs-or-zinc.md): Find out why your account has been passed to a debt resolution agency
- [I'm struggling to make my payments – can Zilch help?](https://help.zilch.com/en/articles/41362-i-m-struggling-to-make-my-payments-can-zilch-help.md): Find out what support may be available if you're experiencing financial difficulties

### Zilch products

- [What is Zilch Classic?](https://help.zilch.com/en/articles/83427-what-is-zilch-classic.md): Find out more about Zilch Classic
- [What is Zilch X?](https://help.zilch.com/en/articles/83429-what-is-zilch-x.md): Find out more about Zilch X
- [What is Zilch Up?](https://help.zilch.com/en/articles/83428-what-is-zilch-up.md): Zilch Up is designed to help you build your credit score while spreading the cost of purchases.
- [What is Pay now?](https://help.zilch.com/en/articles/6684-what-is-pay-now.md): Pay for your purchase up front and earn Rewards.
- [What is Zilch Anywhere?](https://help.zilch.com/en/articles/8251-what-is-zilch-anywhere.md): Find out how to use Zilch at any store.
- [What is Pay over 6 weeks?](https://help.zilch.com/en/articles/66051-what-is-pay-over-6-weeks.md): Split the cost of purchases with Pay over 6 weeks.
- [Pay monthly: everything you need to know](https://help.zilch.com/en/articles/620330-pay-monthly-everything-you-need-to-know.md): Spread the cost of eligible purchases with Pay monthly
- [What is Boost?](https://help.zilch.com/en/articles/8264-what-is-boost.md): Boost lets you spend more than your available credit limit – find out how
- [What is Advance?](https://help.zilch.com/en/articles/607930-what-is-advance.md): Need a little extra before you get paid? Here’s how Advance works.
- [What are the Zilch plans?](https://help.zilch.com/en/articles/334626-what-are-the-zilch-plans.md): Choose the Zilch plan that works for you
- [Everything you need to know about tastecard](https://help.zilch.com/en/articles/424828-everything-you-need-to-know-about-tastecard.md): What tastecard is, how to activate it and where to get help

### Fees

- [How fees work when you Pay over time](https://help.zilch.com/en/articles/725383-how-fees-work-when-you-pay-over-time.md): Learn how Pay over time fees work with Zilch
- [Snooze and Auto Snooze fees](https://help.zilch.com/en/articles/725384-snooze-and-auto-snooze-fees.md): Learn how Snooze and Auto Snooze work and when fees may apply.
- [Zilch fees – everything you need to know](https://help.zilch.com/en/articles/637967-zilch-fees-everything-you-need-to-know.md): Learn about Zilch fees and when they apply