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

Apply for a Credit Card

Find out if you’re eligible before you apply for your thimbl. credit card.

Our online credit card application is fast and easy. And you can even check your eligibility before you complete your credit card application, without impacting your credit score.
Check my eligibility

29.5% APR Representative (variable)

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Find out if you’re eligible before you apply for your thimbl. credit card.

Our online credit card application is fast and easy. And you can even check your eligibility before you complete your credit card application, without impacting your credit score.

How do I know if I’m eligible to apply for a credit card?

There are many different credit cards available but it’s important to find the right one to meet your needs. If you have a poor credit score, or perhaps don’t have a credit history at all, it can make it more difficult to get accepted. Therefore, it’s worth doing some research before submitting a credit card application.

If you find the right provider, it is possible to apply for a credit card, even if you have a bad credit score, no credit history, or have been turned down for credit elsewhere. You may still be eligible for credit card if you are:

  • Resident in the UK
  • Aged 18 or over
  • In work with a regular income
  • A holder of a bank account with a debit card
  • Able to afford repayments
  • Not bankrupt

What is thimbl.?

thimbl. is a credit card that can help you build your credit file as part of your wider credit health, if used sensibly, with more than the minimum repayments being paid back on time.

If your credit card application is successful, you can use thimbl. just like any other credit card. It’s accepted in store or online at almost all major retailers. The only difference is that it’s specifically designed for people who may need help building their credit history.

There are many things that can affect your credit score. But using a credit card responsibly and making more than the minimum repayment each month can be one thing you can do to help you build yours.

thimbl. can give you an initial credit limit of up to £1,500 depending on your circumstances. The limit can grow over time if you manage your account well.

It’s important to stay on top of all your other accounts and credit obligations. You must ensure you make payments on time to avoid damage to your credit history.

The perks of having thimbl.® in your wallet

Mobile app
Manage your account from your smartphone or online
24/7 Fraud Watch
Don’t get caught short by fraud on your card
Help credit rating
Start improving your credit rating today*
Representative 29.5% APR (variable)

Get all this with thimbl.

  • Tap and go - Quick and easy contactless payments up to £100

  • Build credit over time - A starting limit up to £1,500 and a chance to grow it to £5,000

  • Secure banking app - Manage your credit card online, wherever and whenever you like, with the free mobile app

  • Apply with confidence - Use our free 60-second eligibility checker before you complete your full credit card application

  • A trusted service - Rated Excellent on Trustpilot

Find out if you’ll be accepted before you apply for your thimbl.® credit card
  • For all credit levels, from poor to excellent
  • Checking won’t affect your credit rating
  • 29.5% APR Representative (variable)
Check my eligibility
thimbl. credit card powered by Vanquis

Apply for a credit card the easy way with thimbl.

At thimbl. we like to keep things simple. We have an easy two-step process to apply online for a credit card:

At thimbl. we like to keep things simple. We have an easy two-step process to apply online for a credit card:

1. Complete our online application process to check your eligibility for a thimbl. credit card
This will tell you whether you’re eligible before you apply for a credit card, without affecting your credit file. You’ll need:

  • Your personal information
  • Your contact details
  • Your residential status, address and how long you’ve lived there - o You will need to provide your address information for the past 3 years
  • Your own current monthly income and your total household monthly income
  • How much you contribute to the mortgage or rent, and your other essential monthly outgoings

If you pass the initial eligibility check, you will need to provide additional information to complete the full credit card application with confidence as we’ve already helped 1000s of happy UK customers.

  1. Submit your credit card application

All that’s left to do is to read the important information regarding your credit card application, and if you’re happy, once you have passed a full credit check, and you have been successful you will be asked to sign to confirm your Credit Agreement. Once you have signed your Credit Agreement, your new thimbl. card could be with you in as little as 10-days.

Do I have to apply for a credit card if I check my eligibility?

No, if you complete our eligibility checker there is no obligation to submit an online credit card application. And using the checker has no impact on your credit file. So, you can check your eligibility worry-free.

Being eligible doesn’t guarantee you’ll be accepted if you apply for a credit card. Once you have completed an eligibility check, you will be asked to provide additional information and pass a full credit check, you could still be declined following these additional checks or you could be asked to provide evidence of your financial status.

Learn More About thimbl. by Reading Our Frequently Asked Questions

Still not sure? Learn more by reading our Frequently Asked Questions section below.

How long will it take to get my thimbl. card?
If you’re accepted, it usually takes around 10-14 days after being accepted for a thimbl. credit card to receive your card in the post. It may take a little longer if you need to be contacted for more information.
How do I know if thimbl. is a good credit card to apply for?
It’s important to stay safe when choosing a credit card online. Before you complete an online credit card application, it’s worth doing a little bit of research to check who you’re dealing with and to make sure they are authorised and regulated by the financial regulator, the Financial Conduct Authority (FCA). The company’s website, social media, and reviews on places like Google and Trustpilot are a good place to start. thimbl. is a trading style of Digitonomy Limited, a leading UK credit broker that has helped over 8 million people find credit. The thimbl. card is provided in partnership with Vanquis Bank Limited, the UK’s largest specialist provider of credit builder cards. You can relax knowing you’re in safe hands if you apply for a credit card with thimbl.
How can I check my credit score?
Before applying for a credit card or any credit product for that matter it is important to know and understand your score, you can do this by using a reputable credit reference agency such as Experian, Equifax, or TransUnion to monitor your credit score. 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. Learn more about how to check your credit score by clicking the link
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About the author

Joe Lytwyn

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Senior Partnerships Manager - 5+ years Financial Experience with Vanquis Bank

Date published: Monday 8th August, 2022
Latest edit: Tuesday 25th April, 2023
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