No, and there is nothing to check. Cards are funded from money you have already added to your own balance, and no credit is extended at any point — so there is no lending decision, no credit bureau involved, and no search recorded against your name. Using ZikCards cannot affect your credit score in either direction.

There is no minimum income and no employment check. We do need to confirm who you are before issuing a card, but that is an identity check and has nothing to do with your credit history.

The word "credit" in credit BIN describes how the card range is registered with the card networks, which is what merchants check. It is not a credit facility being offered to you.