Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Credit card.
Frequently Asked Questions
Questions
What is the link between the thimbl. credit card and Vanquis Bank?

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.

Is a credit card right for me?

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.

What will my credit limit be?

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 £1,000.

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.

What if other credit card providers have already turned me down?

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.

What happens if my application is unsuccessful?

If for any reason your application for the 39.9% thimbl. card is unsuccessful, you may qualify for the 59.9% thimbl. card which offers the same great benefits. There will be no need for you to re-apply. You will be told which card you’ve been pre-approved for once you’ve completed your Express Check.

How long will it take to get my thimbl. credit card?

It takes less than 60 seconds to complete Express Check to find out if you qualify for a thimbl. credit card. If approved, it usually takes between 10-14 days from you submitting your application to receiving your card in the post. If you need to be contacted for more information, it could take a little longer.

Where can I use my thimbl. credit card?

Nearly everywhere. Anywhere you see the Visa sign you can use your thimbl. credit card, both in the UK and abroad and online.

Can a thimbl. credit card help build my credit rating?

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.

Can I manage my thimbl. account online?

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.