Very poor and unfair lending decision
Very poor and unfair lending decision
Review:
I have been declined by Thimbl Zable despite having a strong and improving credit profile.
Other lenders have trusted me and provided the following active limits:
• Capital One £500
• Capital One £200
• Monzo Flex £250
• Zable £350
• Vanquis Bank £1200
• Argos Card £750
All accounts are being managed well and payments are made on time.
This clearly shows that multiple regulated UK lenders trust me, yet Thimbl continues to decline me without transparent reasoning.
This makes me question the fairness, accuracy and reliability of your credit assessment system.
Very poor experience.
7 January 2026
Unprompted review