Apply for a Credit Card
Check to see if you are eligible for a thimbl. Credit Card before you make a full application, with no impact to your credit score.
45.5% APR Representative (variable)
For all credit scores - poor to excellent
Starting credit limit up to £1,200
Check eligibility with no impact to your credit rating
First things first before making a Credit Card Application
Do your research and compare different types of credit cards to find your ideal match.
Could your credit score do with a bit of work?
The thimbl. Credit Building Credit Card might be the card for you.
Use a credit builder credit card to make small, manageable purchases, and then make at least the minimum repayment each month. If you can comfortably afford to do so, try and pay more than the minimum amount due. In time, with sensible use, you may see an improvement in your credit score. For best results, use a credit builder credit card alongside other credit-building methods, such as paying your bills and any existing credit commitments on time, as well as registering to vote and making sure your credit report is up to date. Spotted any errors? Contact your credit reporting tool and ask for it to be corrected.
Want to know more before making an application? Head over to our blog for a guide on how credit cards work.
Who can apply for a credit card?
To make a credit card application, you must:
- Be aged 18 or over;
- Be a UK resident;
- Have a UK bank account and valid debit card;
- Be employed and have a regular income paid into your bank account; and
- Not be bankrupt.
What is a credit card eligibility check?
When you make a credit card application directly with a provider, they will run a hard search on your credit profile. This search will be visible to other providers and could remain on your file for up to 12 months. Too many hard searches over a short period of time could affect your credit score.
An eligibility check – also called a soft search - gives you an idea of how likely you are to be approved for a credit card before you apply.
A soft search will not leave a mark on your credit file and will not impact your credit score.
If pre-approved, you are under no obligation to make a full credit card application once you have your result.
From excellent to less-than-perfect, we welcome people with all different credit scores to check their eligibility for a thimbl. Credit Card.
How to make a thimbl. Credit Card application?
- Check your eligibility using our online application form. This should take no longer than 5 minutes to complete.
- Using the information you have provided, we’ll run a soft search eligibility check. This will not affect your credit score.
- In just 60 seconds, we’ll let you know if you have been pre-approved for a thimbl. Credit Card. Please note that pre-approval does not guarantee you will be accepted as you’ll still need to complete a hard credit search.
- If you have been pre-approved, you’ll be redirected to our partner, Vanquis Bank, where you’ll be asked for some further information. You’ll also undergo additional application checks, including a hard credit search.
- If Vanquis Bank are happy with their checks and approve your application, you’ll be sent a credit card agreement. Read the agreement carefully before accepting your new credit card, and be sure that you are able to afford your repayments, including interest.
- All set? You can look forward to welcoming your shiny new credit card to your wallet in 7-10 days.
- For all credit levels, from poor to excellent
- Checking won’t affect your credit rating
- 45.5% APR Representative (variable)
You should stay well within your credit limit, and never spend what you can’t afford to comfortably repay.
Why choose a thimbl. Credit Card?
- We’re partnered with credit card provider, Vanquis Bank.
- We’re rated Excellent on Trustpilot (January 2024).
- Tap and go: quick, contactless payments up to £100.
- Check your credit card account from anywhere with our secure banking app.
- The thimbl. Credit Building Credit Card could help you take the first steps towards a healthier credit score.
- Our Express Check eligibility checker will show you your chance of approval before you make a full application.
The credit limit on your thimbl. Credit Building Credit Card depends on your circumstances. The maximum starting credit limit is £1,200.
If used responsibly over time, you could be offered a credit limit increase. The maximum credit limit on the thimbl. Credit Building Credit Card is £5,000. Please be aware that Vanquis Bank will always contact you before making any changes to your credit card account, and you do not have to accept a credit limit increase if you do not feel this is right for you.
A Representative APR is the advertised rate of interest. This is the rate – or lower - that has been offered to at least 51% of customers who applied for and were approved for the credit product. You may not necessarily receive the Representative APR - the rate you receive could be higher or lower.
A personal APR is the actual amount of interest you are offered, and is based on your circumstances and credit history. This is the rate of interest you will be charged on your borrowing over the course of a year.
You will be charged interest on a monthly basis unless you pay your balance in full on time every month.
Some credit cards, such as the thimbl. Credit Building Credit Card, could help you improve your credit score. When used responsibly alongside other credit-building methods, such as keeping up to date with your bills and any other credit accounts, you could see an increase in your credit score over time.
Before you apply, you may want to compare different types of credit cards to find one with the right features for you.
Money worries can feel consuming, but it’s important to remember that help is available. Various websites can offer free, confidential support and advice, including Step Change, Money Helper, Citizens Advice and National Debt Line.
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About the author
Financial Compliance Manager - 10-Years Financial Experience
The perks of having thimbl.® in your wallet
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