Sorry to see them go. Even though their services stopped, they were very patient and understanding with me as I slowly paid off my balance. Customer service was great too, good communication and plea... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
my account was closed last year and fully paid up. now im getting messages to say my May bill is late for 49PENCE. Firstly i dont have an account and secondly my account has been closed since last ye... See more
Company replied
Great concept and very useful card. Devastated however to receive news this morning that the 3 month interest free facility is to end in July. This was the real icing on the cake. Only redeeming featu... See more
Company replied
I'm presently not using my Tymit card,just simply running down the amount still owed. I'm still debating on what benefits the card will now have without the 3 months interest free deferred payment pla... See more
Company replied
Company details
Written by the company
We’ve changed the credit card to make it completely transparent, fair and exciting to use, with cutting edge fraud protection
Contact info
Merchant Square 5, W2 1DP, London, United Kingdom
- hello@tymit.com
- tymit.com
3.5
Average
3K reviews
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
my account was closed last year and…
my account was closed last year and fully paid up. now im getting messages to say my May bill is late for 49PENCE. Firstly i dont have an account and secondly my account has been closed since last year !!! now i have e mailed them then some robotic answer wanting 49 PENCE !!!!!!! is this a con or does madness prevail
shaun doherty
10 June 2025
Unprompted review
Reply from Tymit
Hi Shaun,
Thank you for your message, we’re really sorry for the confusion and inconvenience this has caused.
After looking into your case, we’d like to clarify that there was no request on file to close your account, and at the time we announced the product closure, we advised that only accounts with a zero balance would be closed automatically. As there was still a small outstanding balance at that time, your account remained open, which led to the recent reminder you received.
We can confirm that the remaining balance has now been paid and your account is ready to be closed.
Thanks again for raising this, and for your patience while we sorted it out.
All the best,
Team Tymit
Sorry to see them go
Sorry to see them go. Even though their services stopped, they were very patient and understanding with me as I slowly paid off my balance. Customer service was great too, good communication and pleasant service throughout. I wish all them all the best in their future endeavours.
(Taniesha)
26 May 2025
Unprompted review
Reply from Tymit
Hi Taniesha,
Thank you so much for your kind words and thoughtful feedback. While we're sorry to be parting ways, we're really glad to hear that you felt supported throughout your journey with us. It means a lot to know our team was able to provide the communication and service you deserved.
Wishing you all the very best for the future and thank you again for taking the time to share your experience 💙
All the best,
Team Tymit
Great credit experience
Great credit experience. Even when I ended up closing my account they chased me to return my positive closing balance. Recommended to anyone starting off their credit journey.
30 January 2025
Unprompted review
Reply from Tymit
Thank you for taking time and leaving us feedback.
We’re so grateful for your review! It’s great to know that our product and service met your expectations.
Sadly, we're not accepting any new applications but we're truly grateful for your recommendation and kind words.
Thanks for being a loyal customer, we wish you all the best.
Best wishes,
Team Tymit
Common issue - they randomly close your account for no reason
As many others have mentioned, Tymit decided to cancel my card and close my account without notifying me. There was no justification behind the decision and I never missed a payment, made use of the card frequently.
9 September 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to share your experience Jade.
We're truly sorry to hear about the inconvenience you’ve faced with the cancellation of your card and account closure.
We understand how frustrating this must be, especially given your consistent usage and timely payments.
We have received your complaint and are actively investigating the matter. We will be in touch with you soon to provide a detailed response and work towards a resolution.
Your patience and understanding are greatly appreciated as we address this issue.
Many thanks,
Team Tymit
I would avoid this card
I would avoid this card, I am one of many it seems despite always managing my account correctly and having no other issues with the 3 other credit cards I operate and my overal credit rating tymit decided with out notice that my card would be suspended and my account closed after my balance was paid. There is no reasonable explanation given for this. When advertised this card was described as the new kind of credit card well it seems to be the card that cancelled on you after 18 months of use.
7 August 2024
Unprompted review
Reply from Tymit
Thank you for sharing your experience with us Jason.
We sincerely apologise for any inconvenience and frustration you have experienced due to the recent decision regarding your account. Please be assured that this decision was not made lightly. We carefully considered various factors before arriving at this conclusion.
We deeply appreciate your responsible credit management. Your valued relationship with us is recognised, and we regret any disappointment this situation has caused.
If you would like to discuss this matter further or have any questions, please contact our customer service team, who will be happy to assist you.
Thank you for your understanding, we wish you all the best with your future finances.
All our best,
Team Tymit
Highly effective
Highly effective, courteous and professional. Issue resolved with adequate communication and speed.
30 July 2024
Unprompted review
Reply from Tymit
Thank you for your wonderful feedback Olajide!
We're thrilled to hear that you found our service effective, courteous, and professional.
Your satisfaction is our priority, and your words inspire us to keep up the great work.
If you need any further assistance, feel free to reach out to us.
All our best,
Team Tymit
Excellent communication with quick…
Excellent communication with quick response. Dealt with my query and issue very smoothly.
23 July 2024
Unprompted review
Reply from Tymit
Hi Asad, thanks for taking the time to review us.
We are delighted to hear that you are pleased with our service.
Should you ever need anything from us, feel free to reach via out email at support@tymit.com, our team will be happy to help!
All our best,
Team Tymit
Worst credit card company I've ever…
Worst credit card company I've ever dealt with. Shockingly bad customer service and shouldn't really be in business. Cancelled my credit card and limit without notice saying I was a risk, notwithstanding the fact I pay my balance off in full each month and have never missed a payment. I checked with various credit reference agencies, and there have been no soft or hard searches, confirming that Tymit made the whole 'you're a bad customer' nonsense up. Avoid these cowboys. ***EDIT: Company has tried to remove this review.Please don't believe the sincerity of the company response.
22 July 2024
Unprompted review
Reply from Tymit
Thank you for updating your review Peter!
We truly appreciate all feedback, whether it's positive or suggests areas for improvement.
We haven’t asked for your review to be removed, we've got in touch to gather more information so we can support you further and work towards a resolution.
We hope for your understanding and look forward to hearing from you.
Team Tymit
They cancelled my card due to non use but reinstated it after contacting them.
I have had a Tymit card for some 3 years. I was suspicious when they introduced a monthly fee for using their card when many cards give us rewards for using their card. I have been treated for cancer 3 times a week for the last 9 months and today, without any prior notice, I received an email advising me that my card had been cancelled due to non use over 6 months. Considering this conduct and looking at other reviews I think this is a credit card upon which you cannot rely and to be be avoided.
UPDATE
I contacted Tymit and they could not have been more helpful and understanding. They immediately reinstated my card. If anyone else is having a similar problem, contact them and, if your account has been managed properly, there is every chance they will reconsider their decision.
22 July 2024
Unprompted review
Reply from Tymit
Thank you for sharing your experience with us!
We apologise for any distress caused by the initial cancellation of your card, especially during such a challenging time. We understand the importance of reliability, and we’re sorry we fell short.
We're glad to hear that our team was able to promptly and effectively address your concern and reinstate your card.
Your feedback is invaluable and will help us improve our communication and processes.
If you have any further concerns, please don't hesitate to reach out. We’re here to help.
Thank you for your patience and for giving us the opportunity to make things right.
All our best,
Team Tymit
I'm very disappointed
I'm very disappointed as Tymit have decided to cancel my card and will be closing my account once this is paid off.
I have been a good customer and always paid my monthly installments ahead of time, I have an excellent credit history, never missing payments on any of my accounts, they have offered me a 12 month 0% repayment plan which is something I suppose.
I can only assume Tymit are having some difficulties.
22 July 2024
Unprompted review
Reply from Tymit
Thank you for sharing your feedback Paul. We understand your disappointment and regret any inconvenience
caused by our decision to close your account.
Please be assured that this decision was not made lightly. We carefully considered various factors before arriving at this conclusion. Your excellent payment history and responsible credit management are truly appreciated, and we recognise your valued relationship with us.
The 12-month 0% repayment plan is offered to support you through this transition, and we hope it provides some relief. We are committed to transparency and will strive to address any concerns you may have.
Thank you for your understanding and for being a valued customer.
All the best,
Team Tymit
A marketing product, governed by ai and useless CS
Had my account for over a year. Never late, never near my credit limit for more than a few days.
Always thought it was a good card. I bought into their marketing that they were different and treated customers better.
Wow was I wrong.
I got an email saying my account was terminated.
No reason, no explanation. I complained and got a series of AI generated responses quoting various industry terms. My credit rating had in that period increased, along with my credit limits with other cards increasing.
I originally got the card when my credit rating was almost non-existent.
Their reasons were utter nonsense - they just weren’t making money because I kept paying off my balance.
I’m not actually that concerned about not having the card, it’s more the lies, deception and complete nonsense spouted by their CS team once the first round of bot-generated responses were challenged. They have nothing but contempt for their customers.
19 March 2024
Unprompted review
Reply from Tymit
Thank you for your feedback Francesco.
We understand your frustration and want to assure you that the decision to close your account was made after careful consideration of various factors, not lightly.
We do not use AI-generated responses, our team strives to provide personalised and thoughtful replies. We regret that this was not your experience and are working to improve our communication.
We appreciate your responsible use of the card and will review our processes to ensure clearer explanations in the future where possible.
Thank you for bringing this to our attention in the first instance, I understand that a response has also been issued to your complaint directly.
We wish you all the best in the future.
Thanks,
Team Tymit
Do not use
Used to be a good card however about 6 months or so ago, they contacted me and told me my services were being suspended and I had to arrange to “pay down” my balance, despite only using 11% of my available balance with a great credit score, I’m a homeowner, I work in finance myself, never defaulted anything and all loans and credit cards are up to date. Their explanation was rubbish and would never use again. Now that I’ve found out they are charging £6 per month just to have the card, it’s clear they are having financial difficulties themselves. Laughable
1 July 2024
Unprompted review
Reply from Tymit
Thank you for sharing your feedback Gary. We apologise for any frustration caused by the suspension of your account. If our communication about your account closure was unclear, we sincerely apologise and want to assure you that we are actively working to improve it.
The decision to introduce the £6.99 monthly fee was made after careful consideration of the increased costs associated with providing a line of credit. We understand that adding this fee can be disappointing and appreciate that it may not align with everyone's needs.
If you have further questions or need assistance, please contact our customer service team at support@tymit.com. We're here to help.
Best regards,
Team Tymit
This is the best credit card I ever had
This is the best credit card I have used that let you plan expenses, especially if unplanned. And they customer services is the best I have come across to so far.
7 June 2024
Unprompted review
Reply from Tymit
Thank you so much for your kind words Mr Valoroso.
We're thrilled to hear that our credit card has been helpful in planning your expenses, especially for those unexpected moments.
Your feedback about our customer service means a lot to us, as we strive to provide the best experience possible for our valued customers.
If you have any further questions or need assistance, please don't hesitate to reach out.
We're here to help!
Thanks,
Team Tymit
USED TO BE A GOOD CARD
Used to be a great card,then they wanted £7 a month to keep my account open,so closed it as there are a lot better cards out there than paying to have an account
2 April 2024
Unprompted review
Reply from Tymit
Thank you for sharing your feedback Maurice. We understand your concerns regarding the introduction of the £6.99 monthly account fee.
Please know that this decision was not taken lightly. The fee has been introduced to help cover the increasing costs associated with providing a line of credit, ensuring we can continue to offer a reliable and secure service.
We appreciate your past support and regret that this change led you to close your account. If you have any further questions or need assistance, please feel free to reach out.
All the best,
Team Tymit
If I could give 0 I would
If I could give 0 I would. Took my card out originally to build my credit rating a bit. Had the card about 2 years never once missed or was late with a payment and am also up to date with all my other credit commitments but Tymit has decided to suspend my account which is no great loss to.me as I don't use the card which I suspect is probably really why they have suspended the account but when questioned got a standard response they have basically decided I am no longer a good risk which is very odd when my credit rate is good and I haven't missed or late with any payments. I am offended by the whole thing but if this is how they treat regular paying customers I'm happy not to be associated with this company and the ridiculous interest rates. Avoid avoid avoid
6 June 2024
Unprompted review
Reply from Tymit
Thank you for sharing your feedback Jasmine.
We understand your frustration and apologise for any inconvenience caused by the suspension of your account.
I can see that our complaints team has already been in touch with you regarding this matter. Rest assured, we take all customer concerns seriously and aim to resolve them as fairly and promptly as possible.
We appreciate your understanding and thank you for the time you've spent with us.
All the best,
Team Tymit
Avoid
It used to be amazing and then they stopped the 3months interest free and they start charging monthly
15 May 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to share your feedback with us Maria. We understand your disappointment regarding the recent changes to our services.
The decision to remove the 3-month free interest feature and introduce a monthly fee was driven by the rising costs associated with providing a line of credit.
If there's anything we can assist you with, please feel free to reach out to us.
We appreciate the support you've given us during your time with Tymit, and we wish you all the best with your future finances.
All the best,
Team Tymit
Thought i would get help when I went…
5iught i would get help when I went through ugh fraud, as I had unauthorised transactions for months I have been ignored and they are taking away my human rights by not giving me their final word so I can go to the ombudsman and my £600 gone and closed my account with no warning after my complaints. I was assured 5is time someone would look at my complaint it’s been about 3 months now. Avoid like the plague seriously. 5e close accounts and run off with your money saying it’s a balance transfer and it’s paid off your bills you had when I was already paying £48 a month to pay them off. I saved long and hard for my £600. Now I want to complain to the ombudsman but they won’t give me my final word so I can go. They said they wrote a letter to me about my account closure but they most certainly didn’t. Lots of my hard earned money gone. I told them my hard circumstances which I’m going through in life and no compassion either.once they sent 4 tymit cards in the post. No no avoid. I’m also going to be looking into what I can do to reach someone higher than them. I won’t let this drop. Anyone I can save from this bank too I certainly will.
7 May 2023
Unprompted review
Reply from Tymit
Thanks for taking the time to write your feedback Kim.
We're sorry to hear about your experience, we take any concerns of security very seriously and are committed to addressing all customer feedback thoroughly.
I understand that one of our team is in contact with you to support you in your enquiries.
Your security and satisfaction are our top priorities, and we are here to support you every step of the way.
Thanks,
Team Tymit
Tymit used to be a great provider
Tymit used to be a great provider, but they recently changed their fee structure and are now charging 6.99£ monthly (84 £ p.a.) for the card. This makes the card non competitive to other offers to my mind, despite of having had a reasonable credit limit and no overseas transaction fees there and having nice reminders about upcoming payments.
Overall, there was a slow decline in card features. First they removed the option of paying back over 3 month without interest being charged and cut it back to the usual 1 month interest free repayment. While having no "non-Sterling" transaction fees can still be useful for some people, there are other specialist cards offering this for free and I found 1 which gave me a higher limit and a free bonus program.
21 March 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to share your thoughts with us Mike. Your feedback is greatly appreciated.
While we're sorry to hear about your disappointment with the introduction of an account fee, we want to assure you that this decision was made after careful consideration of the increased costs associated with providing a line of credit.
We completely understand if you feel that our services no longer align with your needs. If you've already reached out to opt-out, rest assured that you won't be charged the account fee.
We're glad to see that you've found a provider that better fits your needs. We wish you all the best with your new service, and if there's anything else we can assist you with in the future, please don't hesitate to reach out.
Best regards,
Team Tymit
Used to be good
Used to be good but have slowly increased interest rates, removing interest free pay back options and now charge a monthly fee and are actively trying to lose customers as they started up at a bad time for the market.
7 April 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to share your feedback with us Tom.
We truly value your support and understand your disappointment regarding the recent changes to our services.
The decision to remove the 3-month free interest feature and introduce a monthly fee is driven by the increased costs associated with providing our line of credit.
We hope you'll continue to find value and benefit in the features of your Tymit account, though we can understand if you feel this is no longer right for you. If you've been in touch already to let us know you'd like to opt-out, please be rest assured that you will not be charged the account fee.
I understand that our team has raised a complaint on your behalf. We'll keep you updated as soon as there are any updates or if we need further information.
All the best,
Team Tymit
I had a Tymit account
I had a Tymit account, I noticed a lot of comment about late payments from other client say they had paid and that tymit hadn't updated there system, which I found odd so I stopped using it then out of the blue, they cancelled my account which now will put a bad mark on my credit report HEED MY REVIEW
3 April 2024
Unprompted review
Reply from Tymit
Thank you for taking the time and leaving us feedback Gary.
We understand your frustration and want to assure you that we take such matters seriously. Our customers have the ability to pay their bills using a Direct Debit, their own online banking or directly through the Tymit app. Ensuring that their personal, unique reference is used to apply the payment immediately. Should our customers have absolutely any issues, we will always work with them on a personal basis to resolution.
I would also like to clarify that the closure of an account whether by request or due to policy, would not leave a negative mark against your credit report. Any closures would be updated as a settled facility. You can find out more about the various influences to one's credit report by visiting the Experian website directly.
If there's anything specific we can assist you with or if you have further concerns, please don't hesitate to reach out to our customer support team directly.
Best wishes,
Team Tymit
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.