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

34.9% APR Representative (variable)
Subject to affordability

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

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

A trusted service

Over 4,500 positive reviews from our customers.

Check my eligibility

34.9% 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 32.9% to 34.5% 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.

Our services are designed for UK residents and are offered on a non-advised basis solely for informational purposes. We do not charge any fees, endorse specific products or providers, or provide financial advice. The information on this page is intended for informational purposes only and should not be considered financial guidance.

Digitonomy Limited (trading as thimbl.) is a credit broker not a lender. 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).

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