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
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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.
Another provider now having the cheek…
Another provider now having the cheek to charge you each month to use it's services regardless if you use or not. No way paying 6.99 a month for nothing. Exactly the same scenario happened with Tandem all customers left forcing the closure of it's credit cards services. Highly suspect Tymit is pulling out of the Uk retail sector by pulling a stunt like this.
If you Google them seems to putting there hands in other pies instead with likes of Harley-Davidson Financial Services based in USA and (BNPL) with Fraser Group (God forbid).
Certainly is time to close this down if this is what loyalty means to charge like this.
25 March 2024
Unprompted review
Reply from Tymit
Hi Anthony,
We're truly sorry to hear that you feel like the loyalty you've provided is being overlooked.
Please know that we deeply care about each and every one of our customers and strive to provide the best service possible.
Regarding the introduction of the fee, we want to assure you that this decision was not taken lightly. Factors such as increasing costs associated with providing a line of credit have influenced this change. While we understand that this fee may not align with your expectations, we hope you can appreciate the reasoning behind it.
We sincerely hope that you'll continue to find value and benefit in the features offered by your Tymit account. However, we understand if you feel that this is no longer the right fit for you. If you've already reached out to opt-out of the fee, please rest assured that you will not be charged.
We acknowledge your concerns about our involvement with other ventures, but please rest assured that our commitment to serving our Tymit customers remains strong.
If you have any further questions or concerns, please don't hesitate to reach out. We truly value your feedback and appreciate your understanding.
All the best,
Team Tymit
Slowly getting worse
Tymit used to be a great provider, three monthly terms with no interest. They stopped that and now charge interest on all plans. The final straw for me was the new subscription card fee model, £6.99 a month for nothing. Account closed!
1 March 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to share your feedback with us Ash.
We truly appreciate your support and understand your disappointment regarding the changes to our services.
The removal of the 3 month free interest feature and the introduction of a monthly subscription fee is a result of increased costs associated with providing our line of credit.
We regret to hear that these changes have led to your decision to close your account with us. However, we respect your choice and understand that it's important for you to find a financial solution that best fits your needs.
If there's anything else we can do for you, please don't hesitate to reach out to us.
We're grateful for the support you've shown us since you joined Tymit, and we wish you all the best with your future finances.
All the best,
Team Tymit
Slowly declining
Use to love tymit but there slowing declining as now chargeing £6.99 pm fee to have there credit card shame really i have now opted out and closing account
19 March 2024
Unprompted review
Reply from Tymit
Thank you very much for sharing your thoughts with us Scott. Your feedback is greatly appreciated.
Regarding the introduction of the account fee, we understand your disappointment. Please know that this decision was made after careful consideration due to the rising costs associated with providing a line of credit. We assure you that it was not taken lightly.
While we hope you continue to find value in the features of your Tymit account, we completely understand if you feel it's no longer the right fit for you. Rest assured, if you've expressed your desire to opt-out, you will not be charged the account fee.
We want to express our gratitude for your support since you joined us. It truly means a lot to us. We are genuinely sorry to see you go, but we understand and respect your decision. We wish you all the best with your future finances.
All the best,
Team Tymit
Avoid
Don't waste your time with this joke of a company poor customer service and suspended my account for no reason never missed a payment and always overpaid..
1 February 2024
Unprompted review
Reply from Tymit
Hi Tom,
Thank you for sharing your thoughts with us, your feedback is incredibly important.
We're truly sorry to hear about your recent experience with our customer service. We strive to deliver exceptional service and it's disheartening to learn that we fell short of your expectations.
We understand the frustration caused by the suspension of your account, especially considering your consistent payments and overpayments.
Please don't hesitate to reach out to our support team if you have any further questions or concerns.
All the best,
Team Tymit
Rude and rowdy staff
Non existent customer service. They block your card for months for no reasonable reason or warning, until I keep asking and figure out, and all this after receiving money from you within days of the due date. Absolute bullying and rude customer service people who talk down to you and behave so shockingly incompetent. When they do pick your emergency requests after a week, it is still useless arguments but no results. Such a shady bank. I have never moved on from a credit card product, by closing the balance down, but here I actually am doing it! I don't trust them. What a nightmare. I don't know how they are allowed to operate so unregulated. Use at your own risk and peace of mind.
20 March 2024
Unprompted review
Reply from Tymit
Thank you for sharing your thoughts with us Nisha. We truly appreciate your feedback as it helps us improve our services.
We're sincerely sorry to hear about the delay you experienced in receiving a response from our team. Providing prompt, understanding and polite customer service is a top priority for us, and we regret that we fell short of this standard in your case.
Rest assured, we're committed to investigating what happened and taking steps to ensure it doesn't happen again.
Once again, we apologise for any frustration this situation may have caused, and we appreciate your patience and understanding as we work to address it.
If there's anything else we can assist you with, please don't hesitate to reach out.
All the best,
Team Tymit
They should get shut down given the way…
They should get shut down given the way they operate.
I've been trying to close my account and get written (email) confirmation of closure since the monthly charge communications and they just ignore the request.
20 March 2024
Unprompted review
Reply from Tymit
Thank you for sharing your thoughts with us, your feedback is incredibly important Mark.
We understand your disappointment regarding the introduction of the account fee, which is due to the increased costs associated with providing a line of credit. Please know that this decision was made after careful consideration.
While we work diligently to respond to everyone as quickly as possible, it may take some time to address each inquiry thoroughly. However, rest assured that not receiving an immediate response does not mean you will be charged the account fee. If you've expressed your intention to opt out, you will not incur this fee.
I noticed that you're currently in contact with our customer support team to discuss your specific concerns. They will reach out to address the issues you've raised with your account.
Thank you once again for your feedback and for being a part of the Tymit community.
All the best,
Team Tymit
Very poor offering with £6.99 a month…
Very poor offering with £6.99 a month for what is a very mediocre credit card with no benefits and high APR.
1 May 2023
Reply from Tymit
Hey Benjamin,
Thank you for taking the time to leave us a review, your feedback is invaluable to us.
Whilst we're sorry to hear of your disappointment with the introduction of an account fee, this is due to an increase in costs associated with providing a line of credit. We can assure you that this decision was not taken lightly.
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.
Thanks for your understanding.
All the best,
Team Tymit
Has been 5* until now …
Has been 5* for European purchases with no fee if you payback within the month. Now has a £6.99 a month fee for just having the card if you use it or not. Unless you’re a big spender away all the time in Europe a waste of time. Goodbye Tymit
18 March 2024
Unprompted review
Reply from Tymit
Hi Lard,
Thank you for taking the time to share your feedback with us. Your input is highly valued.
We're truly sorry to learn that you no longer see the value in Tymit, especially with the recent introduction of an account fee. Please understand that this decision was made in response to increased costs associated with providing a line of credit. Rest assured, this choice was made after careful consideration.
While we sincerely hope that you will continue to find value in the features of your Tymit account, we understand if you believe it no longer aligns with your needs. If you've already reached out to opt-out, please know that you will not be charged the account fee.
We genuinely appreciate your past support, and we wish you all the best with your future finances.
All the best,
Team Tymit
No compelling offering
The credit card experience was vastly different a couple of years back. It was a free credit card (i.e. no monthly subscription) and also allowed to utilise a three month interest free period on purchases. Now the three month interest free period is removed. And they will also introduce (already sent an email notification about it) that they will start charging a monthly fee. This is ridiculous. What's the point of tymit then? They don't offer anything to their customers to continue using it.
7 March 2024
Unprompted review
Reply from Tymit
We appreciate your review here and value the time you spent writing it.
We apologise for any disappointment regarding the new account fee, which has become necessary due to rising credit-related costs. Please know that this decision was not made lightly.
While we hope you continue to enjoy Tymit's features, we understand if it no longer aligns with your needs. If you choose to opt out, you won't be charged the account fee.
Thank you for your support since joining us, and if you decide to opt out, we wish you all the best with your future finances.
Best regards,
Team Tymit
Monthly fee?
Been a Tymit customer for a couple of years or so. I was one of their original customers. It’s been a bit of an uphill struggle with poor customer service, low credit limit and missing features, but I persevered as I could see potential in their offering. They have however increased their interest rate significantly over the last year and are now introducing a monthly fee. This card offers nothing more than I can get elsewhere for free. So I have asked to have my account cancelled. Still waiting for confirmation - but as usual this will take several days to come.
I would avoid Tymit - you can get better credit cards elsewhere for free.
11 March 2024
Unprompted review
Reply from Tymit
Many thanks for taking the time and leaving us a review Stephen.
We're sorry about the introduction of the account fee. It's due to increased costs related to offering a credit line. Rest assured, this decision wasn't made lightly.
We hope you'll still find value in your Tymit account's features. If not, we understand. If you've contacted us to opt-out, you won't be charged the fee.
We appreciate your support over the past years, and if you decide to opt-out, we wish you the best with your future finances.
Best wishes,
Team Tymit
Would not recommend to a friend
After introducing a monthly fee I messaged to give them feedback about this, and told them I would likely opt out . LIKELY. So they went ahead and cancelled my account within 24 hours of receiving the message, they have ignored my follow up message pointing out their error (it’s been another 24 hours) and helpfully aren’t open over the weekend. My advice, get almost any other credit card! Most don’t charge a monthly fee and cancel your cards because you gave them feedback (grow up Tymit).
8 March 2024
Unprompted review
Reply from Tymit
Hello Katy,
Thank you for leaving us feedback. It means a lot to us.
We're sorry to hear you're disappointed about the new account fee. This change was necessary due to increased costs of providing a credit facility. We assure you, it wasn't an easy decision.
I understand our customer support team has since been in touch to rectify the concerns you've raised about your account specifically.
Please don't hesitate to get back in touch, if you have any further concerns or questions.
Best regards,
Team Tymit
Great, until they removed all benefits and started charging a fee
I've been a customer for 3 years, pulled in by the 3-month interest free instalment plans. When those got cancelled last summer, I was of course bummed but since it was a no fee card, decided to keep it for some purchases.
But 2 days ago we received an email with the following: 'We're introducing a monthly fee of £6.99 to continue offering the benefits of the Tymit Credit Card.'
Which benefits exactly??? The fact that we can pay in instalments WITH interest? It's just a standard credit card with no benefits, rewards or cashbacks. This is just an awful practice.
I have no other option than to cancel or 'opt-out' as they call it, and this will impact my credit score.
So thank you Tymit for caring so much about your customers...
6 March 2024
Unprompted review
Reply from Tymit
Hi Lisa, thanks for sharing your valuable feedback with us. We're sorry to hear you're disappointed about the introduction of an account fee.
Removing 0% interest instalments and introducing an account fee were difficult decisions we needed to make, due to rising costs associated with providing a line of credit.
We hope you'll still find value in your Tymit account features. Though If you've expressed a desire to opt-out, rest assured you won't be charged.
Additionally, if you choose to opt out and close your account with us, it will be marked as settled with the relevant credit agencies. However, if you have any further questions or concerns about this, please reach out to us, and we will be happy to investigate for you.
We appreciate your support over the past years, and if you decide to leave us, we wish you the best with your future finances.
Best regards,
Team Tymit
Monthly fee :)
Yesterday they introduced me £6.99 monthly fee. I think that’s not enough, it should have been £9.99. Having a perfect card like Tymit is an excellent experience. I love the design, I love the app and how it works. After removing free 3 months instalment plan, it has become no different than any other rubbish plastics, but it should definitely charge £9.99 monthly…
Thank you Tymit for your time and effort. Sorry “I lost my card and I don’t want a new one” so “opt-out”. You might be struggling since no company suicide like this without a reason.
7 March 2024
Unprompted review
Reply from Tymit
Hello Mehmet,
We appreciate your feedback, it's incredibly valuable to us.
We regret any disappointment regarding the account fee introduction, stemming from increased credit-related costs. Rest assured, this decision was made after careful consideration.
While we hope you continue benefiting from Tymit, we understand if it no longer suits you. If you've opted out, the account fee won't apply.
We appreciate all your support, and if you choose to opt-out, we wish you the best in managing your future finances.
Thanks,
Team Tymit
Stay away from them.
Very bad company. Not reliable. They change the plans every when and then. No guarantee. First they stopped 3 months interest free plan which was their highlight when I started the account. Now they suddenly asking for monthly payment and if you are not willing to pay they close the account which is going to effect on credit score. Very bad company . Not giving any option for the existing customers. If you want a credit card go and find some good reliable brand, not a company like this.
In the reply they are not mentioning anything about closing the account if you opt-out. But this is the email I received from them.
"If you decide that this fee no longer makes your account suitable, you can opt-out of this change by closing your account. "
8 March 2024
Unprompted review
Reply from Tymit
Hello Bimal,
Thank you for leaving us a review. Your feedback means a lot to us.
We apologise for any disappointment caused by the introduction of a new account fee. It was necessary due to increased costs of providing a line of credit.
Removing 0% interest instalments was a difficult decision we needed to make, due to the continued changes in the market.
We hope you'll still find value in your Tymit account. But if you've expressed a desire to opt-out, you won't be charged the fee.
Our customer support team is still available if you have any further concerns or questions. Including if you do need to notify us that you wish to opt-out.
Thanks for your understanding.
Best regards,
Team Tymit
No longer fit for purpose
Was such a great concept a few years ago and really helped with flexibility in repayments for unplanned expenses that inevitably come up. But recently removing the ‘free’ 3 month repayment plan and now charging a monthly cost makes it too expensive and kind of pointless to continue using. As a result I’ve ‘opted out’ unfortunately. Shame as I had a decent credit limit and used the card a lot. Good luck Tymit.
7 March 2024
Unprompted review
Reply from Tymit
Thank you for your valuable review Paul.
We regret any disappointment caused by the account fee introduction, necessitated by increased credit-related costs. We can assure you that this decision was not taken lightly.
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.
We value your support, and if you choose to withdraw, we wish you success in managing your future finances.
Thanks,
Team Tymit
I've been a loyal Tymit customer for…
I've been a loyal Tymit customer for the past five years, consistently making full payments well ahead of the due date, without ever missing or being late on a payment. Recently, I was taken aback when I received an email informing me that my card had been canceled. Despite reaching out to customer service, I was left with more questions than answers, as no clear explanation was provided for the cancellation. This experience has left me puzzled about the company's practices and customer management.
7 March 2024
Unprompted review
Reply from Tymit
Hi Ronen,
Thank you for being a loyal Tymit customer for the past five years and for sharing your recent experience with Tymit.
We apologise for any frustration caused by the suspension of your account. Your feedback is important, and we totally understand your concerns about the lack of clarity regarding your card cancellation.
If our communication about your account closure was unclear, we apologise and are actively working to improve it. If you have further questions or need assistance, please contact our customer service at support@tymit.com.
Thank you for your patience and understanding.
Best wishes,
Team Tymit
Poor Company
I have been an account holder for approximately 2.5 years with a credit limit of £2500. I have never used more than 50% of the credit, I have never defaulted on a payment and have always paid off and debt on the card way before any pre-arranged period. I went to go into the Tymit app on 01/03/2024, but it denied me access stating they are not taking on any new customers at this time? I went onto ClearScore to look up the Tymit account to find that my account had been closed in February 2024? I did not ask for the account to be closed, nor did Tymit advise me that they were going to close my account. In fact, I have received no emails or notifications from Tymit other than an email today, 06/03/2024, stating that due to the present economic climate, they are now going to charge me £6.99 monthly. It’s absolutely disgusting that they closed my account in the first place, without any prior warning or reason, and then continue to send me emails about charges. This company is lacking!
6 March 2024
Unprompted review
Reply from Tymit
Hi Ian,
Thank you for taking the time to share your thoughts with us. Your feedback is important to us.
We understand that you're disappointed with the introduction of an account fee, and we want to explain that this change is necessary due to increased costs associated with providing a line of credit. Please know that the decision to implement this fee was made after careful consideration.
We noticed that you've already been in touch with our customer support team, and they have addressed and resolved the issues you mentioned in your feedback. However, if there are any additional concerns or if you need further assistance, please feel free to reach out to our customer service team once again.
We appreciate your support over the past years, and if you choose to opt-out, we wish you the best with your future finances.
Thanks,
Team Tymit
Now charge you monthly to use
Used to be great but they're now introducing monthly fees of £6.99 because it seems like they're not doing well and have to charge their customers instead.
6 March 2024
Unprompted review
Reply from Tymit
Thank you for taking the time to write a review Jessica. Your feedback is important to us.
We regret any disappointment regarding the new account fee, necessitated by rising credit-related costs. Rest assured, this decision wasn't made lightly.
While we hope you continue enjoying Tymit's features, we understand if it no longer aligns with your needs. If you've opted out, you won't be charged the account fee.
Your loyalty is highly valued, and our customer support team remains dedicated to helping you with any ongoing inquiries.
Best regards,
Team Tymit
Good app and excellent customer…
Good app and excellent customer services. I am always assisted on time with pronte solutions, and the credit card mutch my needs and is easy to adjust according with my needs.
5 March 2024
Unprompted review
Reply from Tymit
Thank you for your feedback Adelino.
We're thrilled to hear that you find our app useful and that our customer service has been excellent.
If you ever need any further assistance, please don't hesitate to reach out to us at support@tymit.com.
Thanks,
Team Tymit
More hassle than it's worth…
I took out a Tymit card after they offered it to me .
It was for a relatively small amount .
I never missed any payments, but they cut the amount I could borrow in half. I complained that the app was always out of order , but heard nothing . They now say my account has been frozen, but I can still pay my balance off over a period of time .I'm closing the account and paying off the balance immediately, but , as usual, the app isn't working nor is the reset button . A very amateurish business for such small amounts of money . It appeared to be a different way of doing credit, but it really isn't different to anyone else in reality
21 February 2024
Unprompted review
Reply from Tymit
Thank you for sharing your feedback with us David.
We apologise for any inconvenience you've experienced with our services.
Regarding the reduction in your borrowing amount and the app's performance issues, we regret any frustration this may have caused. We strive to address concerns promptly and provide solutions.
Your feedback is important to our ongoing efforts to improve our services. May we kindly ask that you please reach out to our customer support team at support@tymit.com, and we'll do our best to assist you with the issues you've raised.
Thank you for your understanding.
Team Tymit
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