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
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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.
Poor Customer Service
Customer service is of an incredibly poor standard. You never speak to the same person (via email) and they don’t listen to you, just cutting and pasting a load of pointless jargon.
They won’t help you and close your account without warning. A bunch of cowboys who are best avoided.
29 June 2023
Unprompted review
Reply from Tymit
Hi Willow, thanks for taking the time to review us.
We're very sorry to hear that you feel the service did not meet your expectations this time around.
We always endeavour for our agents to support your query from start to finish. We have a number of the team available to ensure that your query is answered as soon as possible.
For this reason, on occasion, you may have multiple agents supporting you. However, we always make sure that query is handed over with care.
We'd like to take a closer look at this for you and have reached out for further details.
We hope to hear from you shortly and solve this matter for you.
All the best,
Team Tymit
I paid on the button and had my limit…
I paid on the button and had my limit decreased without notice. I also noted the three month 0 % interest being dropped. Ha ha i credit checked Tymit and it was appalling. The reviews are terrible recently and my credit rating is good. All the customers they have will be caught in a hiked interest trap as it has been calculated to marry in with the recent mortgage hike, PS didn't answer my question. Look at recent trust pilot reviews are you an AI bot answering.?
28 June 2023
Unprompted review
Reply from Tymit
Hi there, thanks for your feedback!
We do apologise for any disappointment caused as a result of our recent actions.
As a responsible lender, we have a duty of care to our customers. We regularly review the performance of all accounts and the information provided by Experian, which considers credit commitments both within and outside of Tymit.
Removing 0% interest instalments was a difficult decision we needed to make, due to the continued changes in the market over the past 12 months.
Unfortunately, with this in mind, it is no longer sustainable for us to offer the 3 months interest-free period on accounts at the moment but we hope we'll be able to offer this feature to our customers again in the future.
If you do have any questions or concerns regarding either of these changes, please do reach out to us at support@tymit.com and we'd be happy to answer any of your questions.
All the best,
Team Tymit
Product and Customer Service has faltered
Echoing other users experiences. Since the rate hikes and removal of the 3 month interest free period, the card is now surplus to requirements. I’ve been trying to cancel the card/account for over a week and nobody is coming back to me, certainly not within the 24 hours suggested.
While I understand that the current market conditions have dictated changes to many financial products, Tymit included… I don’t expect the customer service to also become less than adequate. Sad times for an initially promising company.
19 June 2023
Unprompted review
Reply from Tymit
Hi Mark,
Thanks for your feedback, we certainly understand your disappointment regarding our customer service.
Due to the high volume of customer queries, our team is working extremely hard to help all our customers the most efficiently.
Our customer service advisor already got in touch with you so it should be sorted for you.
We can only apologise for the delay and thank you for your patience whilst we're dealing with your request.
We wish you all the best and hopefully see you again in the future!
Thanks,
Team Tymit
Time for Tymout!
Thought it was just me they decided to make account less and less attractive to use, no more 3 month interest free, decent credit limit if needed - now all gone and seeing the reviews it’s pretty widespread and would expect Tymit to be on the way out sometime soon. Requested account closure (which for some reason others report is taking a while). Much better options out there now such as Monzo Flex if you’re after this type of finance.
26 June 2023
Unprompted review
Reply from Tymit
Hi there Gary,
Thank you for taking the time to leave us a review.
We can certainly understand the recent changes may cause some disappointment. these decisions are never easy for us to make.
Whilst we do hope that you decide to stay with us, if you do still wish to proceed with closing your account, one of our agents can certainly get that actioned for you.
Thanks, Team Tymit.
Took out the credit card with the…
Took out the credit card with the promise of 3 month interest free instalments for them to remove the feature the same week. Not impressed.
8 June 2023
Reply from Tymit
Hi Amy, thank you for your review.
We can certainly understand that the timing of this recent change is unfortunate and we apologise for any disappointment.
Though the 3 months interest free has been removed for now, Tymit continue to offer a lot of flexible features to help you take control and manage your finances.
If you do need any assistance or have any questions at all, please do reach out to us at support@tymit.com.
Thanks, Team Tymit.
Impossible to close my account.
Impossible to close my account.
It was super easy to activate it but impossible to close it. I have sent multiple messages on the help chat to close the account but no one has ever replied to me. They say they aim to reply within 24 hours but I have been waiting for a week already. And now all of a sudden the chat feature doesn't work anymore.
19 June 2023
Unprompted review
Reply from Tymit
Hi there Ilary, thank you for taking the time to leave us a review.
We believe that one of our agents has since been in touch to assist with your account closure request.
Though we are sad to see you go, if there is anything we can help with in the future, please don't hesitate to get back in touch.
Thanks, Team Tymit.
This card was amazing to start with…
This card was amazing to start with for the last few years, however it randomly started declining as of last week straight after they announced they're ditching the 3-month 0% interest, even though I have full-funds available on my account.
Customer services have been ignoring me for the last week and don't get back in contact at all...appalling service!!!
22 June 2023
Unprompted review
Reply from Tymit
Hi there Sammy, thank you for your review.
We're sorry to hear that you have encountered some issues with your card.
We believe that an agent has since been in touch to assist with your support ticket, but if there is anything else we can help with at all, please do let us know.
Thanks, Team Tymit.
How long does it take to close an…
How long does it take to close an account? One click should be enough. I do not want to talk to a agent. You have stopped the 0% facility and this has made having the card pointless.
Update: customer service promptly contacted me after initial trust pilot review. Account is process of being closed. Thank you.
12 June 2023
Unprompted review
Reply from Tymit
Hi there,
Thanks for taking the extra time to come back and update your initial review, we appreciate it!
We're hoping for your understanding of why we had to make such a hard decision to keep up with rising costs.
We're happy to hear that our customer service team already dealt with your request.
Wishing you all the best and hope we see you again in the future! 😊️
Thanks,
Team Tymit
Great approach to credit cards
Great approach to credit cards. I love the immediate insight into spending - their Android app is really good. I don't use the extended multi-month repayment feature but I can absolutely see the use if you need to stage your payments.
3 June 2023
Reply from Tymit
Hi John, thank you so much for your review.
We are delighted to hear that you are enjoying your Tymit account.
If you do ever need any help in the future, have any questions, or have any feedback or suggestions, please do reach out to us at support@tymit.com.
Thanks, Team Tymit.
Tymit was revolutionary with…
Tymit was revolutionary with interest-free, 3-month instalments, now as it has gone there are much better offers with MUCH lower interest rates and also ZERO fees abroad.
15 June 2023
Unprompted review
Reply from Tymit
Hi Mik, thank you for your review.
We certainly understand your disappointment at the removal of 3 months interest free.
Unfortunately, given the current economic climate, it is not sustainable for us to continue offering this feature at the moment.
It is also important to note that with Tymit, there are no fees whilst using your card abroad.
We will be more than happy to answer any questions or concerns you may have, please do just reach out to us at support@tymit.com.
Thanks, Team Tymit.
0% facility gone, customers gone too !!
Echoing a number of reviews here, this was a great card with the USP of spreading larger purchases at 0% for three months, or longer with a rate originally 14.1% when I signed up. Unfortunately there have been a spate of recent rate hikes for plans spread over more than three months, now standing at 29.9% - pretty expensive. Now the 0% rate for 3 months has gone, replaced with 29.9% 😡.
No more USP, no more custom from me! PayPal and Monzo Flex now have similar 0% options spread over 3 months, so I'll use them.
Unfortunately we saw this behaviour back in 2008/09 when the banks started imploding due to over leveraging themselves. They cut customer credit limits and hiked interest rates to extortionate levels... the ominous clouds gather !
19 June 2023
Unprompted review
Reply from Tymit
Hi there, thank you for taking the time to leave us a review.
We can certainly understand your disappointment regarding this decision. Please rest assured these changes are never easy for us to make.
Unfortunately, due to the current economic climate and rising business costs, it is no longer sustainable for us to continue offering 3 months interest free at the moment.
Please do pop us a message at support@tymit.com if you have any questions and we'll be happy to help.
Thanks, Team Tymit
What is Tymit without a 3 months free EMI?
What is Tymit without a 3 months interest-free EMI?
That was the USP. No point having tymit now.
16 June 2023
Unprompted review
Reply from Tymit
Hi, thank you for your review.
We are sorry for any disappointment caused as a result of this decision.
Unfortunately, at the moment and given the current economical climate, it is not sustainable for us to continue offering this feature at the moment.
Though we do hope to look into reintroducing this in the future.
If you do have any questions at all or if there's anything we can help with in regards to these changes, please do reach out to us at support@tymit.com.
Thanks, Team Tymit.
The end for Tymit
The end.
I have had my card for a couple of years. At first everything was great. Then suddenly without any notice, my limit was cut by a third. I couldn’t get any reasoning behind it apart from them telling me that my credit rating was not high enough for the limit set. (It had not changed at all since my original limit was set.) Now they have taken away the only thing that was good about the card, the 3 months interest free on purchases. Time to move on. Sorry Tymit but all of this plus the rubbish customer service.. It’s just a crappy credit card now.
19 June 2023
Unprompted review
Reply from Tymit
Hi Jay, thank you for taking the time to leave us a review.
These types of decisions are never easy for us to make and we are sorry for any disappointment caused.
If you do have any questions or queries at all, please do reach out to us and we'll be happy to help.
Thanks, Team Tymit.
Do not take a credit card from this…
Do not take a credit card from this firm, they will misjudge you without any concern and cancel your credit card, very poor customer services. One to tick on your list to not to trust.
1 April 2023
Unprompted review
Reply from Tymit
Hi Julian, thank you for your review.
We are sorry for any disappointment caused as a result of this decision.
We can see that you are in contact with our Customer Service team and we would be happy to answer any questions or concerns you may have regarding your account.
Please do just pop us a message.
Thanks, Team Tymit
From Innovation to Greed.
Started off as a great innovative provider, but slowly changed themselves into just another rip off expensive card. Removed all of the good features. Now ended the 3month 0% option. I will be closing my account. Greed kills innovation yet again.
17 June 2023
Unprompted review
Reply from Tymit
Hi Ian, thank you for taking the time to leave us a review.
We apologise for any disappointment caused regarding this decision, it is certainly not a decision that was made lightly.
Due to the current market climate over the past 12 months, it is not sustainable for us to offer 3 months interest free on transactions at the moment.
Unfortunately due to the rising cost of offering this service, we had to make the tough decision to remove this feature for now.
Please do reach out to us at support@tymit.com if you do have any questions at all.
Thanks, Team Tymit.
This is not a good credit card company
This is not a good credit card company. I have a good credit score but I use the credit card. First of all they decrease your limit randomly from 2k to 1k. NOW they've just made the decision to remove the free interest rate on spreading costs over 3 months to the standard interest rate. The company seem to be struggling and are trying hard to make you give them money and put you in a bad situation. Luckily I can use it responsibility but I bet it has caught out a lot of users.
17 June 2023
Unprompted review
Reply from Tymit
Hi David, thank you for your review.
We’re sorry for any disappointment caused.
We’ve made this difficult decision due to the continued changes in the market over the past 12 months.
Unfortunately, with this in mind, it is no longer sustainable for us to offer the 3 months interest-free period on accounts at the moment.
If you do have any questions or concerns regarding this change, please do reach out to us at support@tymit.com.
Thanks, Team Tymit.
Like so many
Like so many! Having the worst experience I’ve ever had with a card company.
But ! They do contact you eventually and give sound advice. Just so frustrating no being able to chat on phone with an urgent problem. Now they’ve taken away the 3 months interest free period- So just an ordinary credit card. I still say Stick with the big banks.
18 May 2023
Unprompted review
Reply from Tymit
Hi Lennie, thank you for taking the time to leave us a review.
We understand that the recent changes may have caused some disappointment and we do apologise for any inconvenience this causes.
Though the interest free portion of instalments has been removed for now, there are still plenty of other features to help manage your purchases flexibly.
If you do have any questions or concerns around the new changes, please do pop us a message and we'll be happy to help.
Thanks, Team Tymit.
End of 3-month 0% purchases signs the end for Tymit
Tymit has been great so far. Unfortunately they just killed their Unique Selling Point, which was interest-free 3 month instalments. Now they are just like any other credit card but with worst APR and more clunky management options.
Nice while it lasted, time to let go of Tymit :(
16 June 2023
Unprompted review
Reply from Tymit
Hi Josh, thank you for taking the time to leave us a review.
We are sorry for any disappointment caused as a result of these changes.
These decisions are never easy for us to make, but unfortunately, due to rising business costs, it's no longer sustainable for us to offer the 3 month interest free instalment plan at this time.
You will still have the flexibility to adjust your instalment plans at any point and it is also important to note that interest is charged per transaction and not on your overall balance.
Please do reach out to us at support@tymit.com if you have any questions or concerns at all.
Thanks, Team Tymit.
Go get a monzo flex. TYMIT isn't worth your custom
Very very poor customer service. They never reply. Just a failed company that shouldn't exist.
The post below says everything you need to know. They "try" to respond... Well it's been a week now and I have had nothing. Imagine trying to deal with your credit card company on an important issue and you can only text chat and they ignore you for a week.... avoid people you don't want the hassle of this farcical company.
And now I have seen they have blocked my text chat from adding any more messages because I kept chasing them daily.
So they never respond but they can read and block your ability to send a message.... how did these jokes even get a license.
14 June 2023
Unprompted review
Reply from Tymit
Hi there Annabella, thank you for your review.
We do strive to respond to any customer queries as soon as possible. We do apologise that we were unable to meet your expectations on this occasion.
One of our agents has been in touch since to assist you with your query, but if there is anything else we can help with at all, please don't hesitate to let us know.
Thanks, Team Tymit.
Now just a plain Jane
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 feature however is that notice has been given and that existing 3 monthlies and new up to the operative date in July will be honoured. Very sad move though.
15 June 2023
Unprompted review
Reply from Tymit
Hi there Alan, thank you so much for taking the time to leave us a review.
We're really sorry for the disappointment this recent change has caused. Though these decisions are never made lightly, we really want to thank you for your understanding.
You will still have full control over what you pay and the flexibility to adjust your instalment plans to suit you.
We hope that you still continue to enjoy your Tymit account and if you do have any questions or queries at all, please do reach out to us.
Thanks, Team Tymit.
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