Only using your top-up balance to spend on your Yonder card is completely fine - there’s no requirement to borrow from your credit limit if you don’t want to.
Key points
Your credit limit remains available and ready to use whenever you choose.
We continue to report your credit limit and utilisation to credit reference agencies as normal, even if you’re only spending using top-up.
This allows you to manage your spending more flexibly, while still building your credit profile. If you have any questions, feel free to reach out to us via the Yonder app.