Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Over 150,000 customers so far

For all credit scores

Check eligibility with no credit score impact

For all credit scores

Over 150,000 customers so far

Check eligibility with no credit score impact

Credit Cards

Make your next credit card thimbl.

Whether you are looking to build your credit profile or plan on using a card to make everyday purchases, you can check your eligibility in 60 seconds with no impact to your credit score.

Check my eligibility

45.5% APR Representative (variable)
Subject to affordability

thimbl. is a trading style of Digitonomy Limited which is a credit broker not a lender.

Any credit that is obtained as a result of an application will be provided by Vanquis Bank Limited.

How will thimbl.
make you feel smug?

A highly rated mobile app

Check your balance anywhere with your secure login that has your credit limit and transactions all in one place!

Contactless payments

Simply tap and go.

Pay for anything up to £100 in just seconds

Rated excellent on TrustPilot

We’re currently rated Excellent on TrustPilot by thimbl. customers!

Check my eligibility

45.5% APR Representative (variable)

Frequently asked
questions

If you've got a question, you may just find the answer you're looking for here. If not, please visit our contact us page and get in touch.

How is a credit builder card different from other credit cards?

A credit builder card works like any other credit card but is specifically designed for people who may have trouble getting credit elsewhere. It does this by offering a lower initial credit limit and higher APR than you might be able to get with a higher credit score.

How do I know whether I’ll be accepted?

Our eligibility checker will let you know in under 60 seconds whether you’re eligible. You can then apply for your credit building card with confidence. You’ll need to know your current monthly income, what you contribute to mortgage or rent, and the total of your other essential monthly outgoings. Please be aware that being eligible doesn’t guarantee you’ll be accepted for a thimbl. credit card. If you are accepted, the thimbl. card provider will send you the relevant information over, along with a Credit Agreement.

What is the APR?

The APR is the Annual Percentage Rate and represents the amount you are charged on your credit builder card balance over a year. It includes interest and other fees and charges. For thimbl. the APR ranges from 29.5% to 39.9% dependent on your individual circumstances.

How long will it take to improve my credit score?

If you’re looking to improve your credit score, it can be a good idea to use your credit building credit card for making small purchases to keep your expenditure manageable and try to pay more than the minimum repayment on time. Depending on your personal scenario, and assuming other aspects of your credit profile are in order, you may begin seeing results in a few months.

How can I check my credit score?

You can see your score by using a reputable credit reference agency such as Experian, Equifax, or TransUnion. You can see how your score changes over time, and these named credit reference agencies also give tips on what else you can do to help to build credit score.

If you are struggling to make repayments, you can visit moneyhelper.org.uk for free financial advice. Likewise, www.gov.uk/pay-off-debts may help if you would like to find out what options are available if you cannot pay your debts.

* To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. Not doing so could harm your credit rating and make obtaining credit more difficult.

** Under section 75 of the consumer credit act 1974 credit card purchases over £100 are protected in some circumstances.

The thimbl. credit card and the thimbl. Loan are issued by Vanquis Bank Limited. Digitonomy Limited (trading as thimbl.) is a credit broker not a lender, and provides its services to Vanquis on an exclusive basis in respect of each of these products. Digitonomy is paid commission from Vanquis for these services. If Vanquis are unable to provide you with one of these products, Digitonomy will try to find you an alternative product and will receive commission from the provider of that product if you enter into an agreement for it. Digitonomy's registered office is: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Registered in England and Wales, under company number 08385135. Digitonomy is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 690249. Licenced by the Information Commissioners Office, (registration number ZA007309).

Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156).

All rates are variable after their applicable introductory period. If no introductory period applies the rate(s) is/are variable from the date of the agreement. All applicants must be aged 18 or over and resident in the UK. Credit is available subject to status and conditions.