thimbl. is a partnership between Digitonomy and Vanquis Bank. Vanquis Bank is the issuer of the thimbl. credit card. Vanquis were founded to provide options for people who may have been declined by the high street banks or other credit issuers.
Over 15 years and over 4 million accepted customers later, they’re proud to say they’re the UK’s largest specialist provider of credit builder cards. Digitonomy Limited is a credit broker and has helped over 10 million UK consumers find a credit card or loan product.
A credit card is not designed for long term borrowing. If you are looking to purchase a large item and repay over a longer period of time, a personal loan may be more suitable.
In today's ‘cashless world’ a credit card has facilities that make it a more flexible option than cash, cheques and debit cards when making purchases. It is a safer way to purchase goods, and an easy way to shop online. When travelling, hotels and car hire companies might require you to have a credit card to secure a deposit.
If you want a credit card because you require cash, remember it is more expensive to take cash out in this way.
The credit limit you will receive will depend on your credit history, financial circumstances and how you are managing your current credit facilities with other lenders.
When opening your account, your credit limit could be up to a maximum of £1,500.
Depending on how you manage your account, you may become eligible for a credit limit increase. You will always be made aware of any changes to your limit.
Don’t worry, your credit history doesn’t necessarily mean you’ll get turned down. Applications are considered on an individual basis. You will still be considered if you’ve been turned down in the past. Use our Express Check service to see if you qualify for a thimbl. credit card – this will have no impact on your credit rating.
It takes less than 60 seconds to complete Express Check to find out if you qualify for a thimbl. credit card. If you are approved following completion of your full application, it usually takes between 10-14 days.
Nearly everywhere. Anywhere you see the Visa sign you can use your thimbl. credit card, both in the UK and abroad and online.
Yes, to build your credit rating and be considered for credit limit increases, use your thimbl. credit card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time.
By staying within your credit limit and keeping your repayments on time, you are demonstrating that you can manage your account responsibly and can afford the monthly repayments. There’s no guarantee, but if you follow these steps consistently every month, you should be on track to improving your credit profile and building a stronger credit rating.
Yes, you will be able to view your account balances, access your statements and pay your credit card bill online. You can also do all this from the Vanquis Bank mobile App, available for both Apple and Android.
* 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 is 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 the thimbl. credit card. Digitonomy is paid commission from Vanquis for these services. 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.
