# Tymit Credit Card — The credit card, reinvented > Reinvented credit card for transparent spending control and flexible repayments. (iPhone/iPad app by Tymit LTD.) - Source: https://appshunter.io/ios/app/tymit-credit-card/id1485541131 (this page in markdown: same URL + `.md`) - Developer: [Tymit LTD](https://appshunter.io/developer/1400849425) - Category: Finance, Productivity - Price: Free - Rating: 3.90/5 from 16 App Store ratings · 69 written reviews indexed - Age rating: 17+ - Requires: iOS 15.0 · 133 MB - Languages: British English - Released: 2019-11-26 - Data updated: 2026-08-24 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/tymit-credit-card/id1485541131/reviews.md ## What is Tymit Credit Card? Tymit is the first instalment credit card, giving you complete control and transparency over your spending from the minute you plan to make a purchase through to making the repayment. Say goodbye to the minimum payment trap, confusing interest charges and hidden fees. Spread the cost of any purchase across up to 3 months at 0% APR. Tymit is the credit card, reinvented. We have re-designed the credit card, to put you in control. - Affordable repayments, at your fingertips. Spread the cost of any purchase across 3 months interest-free. If you need longer, you can choose 6, 12, 24 and 36 months (interest is payable on plans of 6 months or more). You’ll always know how much interest you’ll pay up front. So you’re always in control of what you pay, and the number of instalments. - Complete flexibility to adjust your repayment schedule at any time. - When deciding whether to commit to that family holiday or the latest smart phone, use our purchase simulator to plan how it will impact your monthly bills. - Bundle up! A unique way for you to monitor your spending, by grouping similar purchases together. You can customise the appearance and apply a re-payment plan of your choice. - Protect your credit history, by staying on track to repay your balance. The app will give you complete visibility on your future payments and deliver smart alerts to help you to never miss a payment. - Save money when you travel, with no fees on spending abroad. - Absolutely no fees for membership and international transactions. Credit limits from £500 to £5,000 and interest rates varying from 29.9% - 39.9%, subject to eligibility, terms and conditions apply. Tymit LTD is a company registered in England and Wales (No. 10827757), authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 796994 and is also registered with the Payment Services Regulator (PSR) for providing payment services. Postal address 5 Merchant Square, London, W2 1AY. The Tymit Card is issued by Transact Payment Limited (TPL). a company incorporated in Gibraltar with registered address 6.20 World Trade Center. 6 Bayside Road. Gibraltar. GX11 1AA and company registration number 108217. TPL is authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution and is a member of the Visa card scheme. ## Key features - Spread purchases interest-free - Flexible repayment schedules - Purchase simulator for planning - Bundle similar purchases - No fees on spending abroad - Smart payment alerts ## What do users think of Tymit Credit Card? Overall sentiment: negative **Pros** - 💡 Innovative concept of credit management - 👍 Flexibility in payment terms - 🌍 Fee-free foreign transactions - 📊 Useful payment calculator/simulator - 📱 Intuitive app interface (initially) - 💳 Helps build credit score **Cons** - 📉 Increased interest rates - 💸 Introduction of monthly fees - ❌ Discontinuation of 3-month interest-free option - 👎 Poor customer service responsiveness - 🔒 Account suspension/closure without clear reason - ⚠️ Fraudulent transaction issues - 📉 Reduced credit limits - 🚫 Difficulty closing account - 💰 High APR - 🤔 Lack of differentiation from mainstream cards **Commonly reported bugs** - App crashes on startup after update - Cannot log in after update - App not working for days (cannot see balance, pay) - Login issues/locked out of app - App repeatedly saying 'something went wrong' - Cannot see PIN on app - Cannot change PIN on app - Cannot unlock card in app - App shows incorrect balance - Transactions not showing or stuck in pending - Notification badge persists after viewing messages - Random payment declines - Crashing app - Cannot sign in or reset password - App not working **Most requested features** - More intuitive UI for payments and pre-payments - Ability to allocate payments to specific items - Improved refund handling and explanation - Direct debit option for payments - FAQ section for closing accounts - More social media presence/updates - Option to change PIN without visiting ATM - Ability to view/change PIN in app - Unlock card in app instead of ordering new one ## Recent user reviews (10 of 69) All indexed reviews: https://appshunter.io/ios/app/tymit-credit-card/id1485541131/reviews.md ### 1/5 — Aweful *2025-09-05, version 1.77.0* This is a truly awful app from a truly awful lender. Who ever gave them a license. ### 5/5 — Sad you ending *2024-10-09, version 1.61.2* I will miss my Tymit card it’s been a godsend. ### 1/5 — Terrible company *2024-10-07, version 1.61.1* Reinvented? Yeah you reinvent your terms when it suits you! All of a sudden your pay in 3 with no interest disappears, just another credit card now aren’t you. Never ever missed a payment. Never ever went over my limit. Closed my account for me replanning all my payments to the maximum time as a response (yes childish but still f them) ### 3/5 — Brilliant card that can be tailored for your needs and requirements. Subpar customer service (…) *2024-09-17* I’ve been a Tymit customer for nearly 3 years and financially, it has been very effective. It’s my go to card when I travel abroad, and allows me to efficiently budget unexpected costs over 3 months interest free without having to dip into my savings. However, I was informed that my account was suspended 4 weeks ago as I no longer fit their risk profile, despite only having a current statement amount of 1.2% of my yearly salary. I knew what would’ve caused this as BT had inadvertently applied a default to my account after sending me two final bills - one being paid, whilst the other accidentally generated bill was left to lapse. I reached out to the customer service team to explain that there had been an error and that BT had rectified this with it soon being reflected on my credit report. However, correspondence with the rep consisted of what appeared to be cut and paste responses with no common sense or empathy applied. This went back and forth for a couple of weeks with the same responses being received, before I reached out to their FinDif department and once again explained what had happened, and that the issue was now rectified. It took the team 2 weeks to finally reverse their decision, but it was reassuring to finally speak to someone who looked at the situation holistically and from a person/situation-centred point of view. I’ll still continue using Tymit, it’s been a very effective tool to have at my disposal, but I do wish that the use of cut and paste responses are reduced to give customers a higher standard of service. **Developer response:** Thank you for your feedback and for being a loyal Tymit customer. We’re sorry for the frustration caused and appreciate your patience during the resolution process. If you'd like us to look into this further, please feel free to reach out via email, and we'll be happy to assist you. Thank you again for your understanding and apologise for any inconvenience caused. Thanks, Team Tymit ### 1/5 — Can't sign in. *2024-09-01, version 1.59.0* App no longer let me sign in or reset my password at all. I'm locked out using it and can't approve payments or apply installments. ### 1/5 — 👎🏻 *2024-07-24, version 1.56.1* Worse company ever had a card with ### 5/5 — Useful Card *2024-06-24, version 1.55.0* It’s a handy feature that you can spread your purchased items payment over a longer period, this is very flexible and it can greatly reduce monthly payments if money is a little tight sometimes. Obviously more interest the longer you take to repay . ### 2/5 — Disappointment *2024-06-08, version 1.54.0* Sad to say that I am also Rarely using Tymit any more. What made it stand out as being different from other credit cards now no longer exist. I'm back to using other cards which does the same as Tymit but with a lower or no APR for the first 3 months from the purchase.If Tymit can no longer differentiate itself from the mainstream I also can't see it lasting much longer. Also since the last few updated for some reason I am now having a number of problems with the app.. Such as : not being able to see the pin on the app which I forgot as I stopped using it.. So now I can not change e the pin or view it.. Even after purchasing a new card I still can not use it.. Due to the same issue... The app seem to be bugged as even trying to reveal card details from the app does not work and and when you lock your card, then you need to order a new one as the app won’t let me unlock it either.. Interest rates keep going up - more than doubled over the last year. Everything is pointing towards Tymit not being with me for much longer. I have consequently stopped using and taken out an alternative credit card. It is such a shame as l have been with Tymit for a few years now and liked what they were trying to do. P.s: Customer support is kind people trying their good to help, but as you can imagine some of The changes the company made are beyond their capabilities to help and not working weekends just makes the whole process a nuisance.. Now I am supposed to be sending again a series of screen shots and email in the hope Of being able able get my account back working in order, just so I can pay off the outsdanting and leave.. ### 3/5 — Great card, shame £6.99 fees added *2024-04-29, version 1.52.0* This is a simple to use card that’s great for travelers. The app is really good too. It was my first credit card, really helped my credit score. It took a downturn when you started having to pay to split payments. Unfortunately I’ve closed my account now that they’re charging £6.99 a month account fee. Monzo it is I guess. ### 1/5 — Closed my account *2024-04-18, version 1.51.0* Closed my account without a reason. I hardly used it, and now my credit rating has gone down due to the closure ## Frequently asked questions about Tymit Credit Card ### What is Tymit? Tymit is a credit card that offers complete control and transparency over your spending and repayments. It allows you to spread the cost of purchases across multiple months, with options for interest-free installments or longer repayment plans with clearly stated interest. ### How does the interest-free period work? You can spread the cost of any purchase across up to 3 months at 0% APR. If you need longer, you can choose repayment plans of 6, 12, 24, or 36 months, though interest will be payable on plans of 6 months or more. You will always know the exact interest amount upfront. ### Can I change my repayment plan? Yes, the app provides complete flexibility to adjust your repayment schedule at any time. This allows you to adapt your payments to your financial situation and maintain control over your spending. ### Are there any fees associated with using Tymit? Tymit has no membership fees and no fees for international transactions or spending abroad. This ensures you can use the card without unexpected charges, making it a cost-effective option for both domestic and international use. ### What are the credit limits and interest rates? Credit limits range from £500 to £5,000, subject to eligibility. The variable interest rates range from 29.9% to 39.9%. Specific terms and conditions apply, and these details will be provided based on your individual eligibility. ## Version history (last 5 releases) ### 1.84.0 — 2025-09-29 We're thrilled to introduce our latest app update! Enjoy a smoother experience with improved performance and reliability. Update now to take advantage of these exciting enhancements and let us know what you think! ### 1.77.0 — 2025-05-28 We're thrilled to introduce our latest app update! Enjoy a smoother experience with improved performance and reliability. Update now to take advantage of these exciting enhancements and let us know what you think! ### 1.73.0 — 2025-04-22 We're excited to share our latest app update, packed with user-friendly enhancements! You’ll notice smoother onboarding, ensuring a hassle-free start. We’ve also fixed the toast notifications for direct debits, so you’ll always be informed. Enjoy a seamless experience as you manage your finances with these thoughtful improvements. Update now and explore the new features designed just for you! ### 1.72.0 — 2025-04-02 We're excited to announce our latest app update, packed with user-friendly enhancements just for you! Now, you can easily manage your Direct Debit FAQs, ensuring clarity when you need it most. We’ve refined the manual bank transfer pop-up for a smoother experience and also improved the transaction list swipe options, making navigation a breeze. Plus, we’ve fixed issues with payment notifications, so you’ll always be informed. Update now for a better, more intuitive experience! ### 1.71.0 — 2025-03-20 We're excited to bring you the latest update to our app, packed with user-friendly enhancements! Now, you'll receive clearer payment reminders, making it easier to stay on top of your finances. We’ve also fixed issues for overdue users, ensuring accurate amounts are displayed. Plus, we've improved the plan refinance screen for a smoother experience. Update now for a better app experience! ## Apps similar to Tymit Credit Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [LlenaTuPlanilla.com](https://appshunter.io/ios/app/llenatuplanillacom/id1605417660) | — | Free | Finance | | [Consult Insure](https://appshunter.io/ios/app/consult-insure/id1579284480) | — | Free | Finance | | [CanainfoConnect](https://appshunter.io/ios/app/canainfoconnect/id6443814500) | — | Free | Finance | | [My Crypto List](https://appshunter.io/ios/app/my-crypto-list/id1580110580) | 5.0 (2) | Free | Finance | | [Kopter-Profi Versicherung](https://appshunter.io/ios/app/kopter-profi-versicherung/id1588241860) | — | Free | Finance | | [Pague Menos SuperMarket](https://appshunter.io/ios/app/pague-menos-supermarket/id1579949040) | — | Free | Finance | ## More apps by Tymit LTD - [Frasers Plus](https://appshunter.io/ios/app/frasers-plus/id1612215379) All apps by Tymit LTD: https://appshunter.io/developer/1400849425 ## Related topics [jaja](https://appshunter.io/ios/topics/jaja) · [mbna canada](https://appshunter.io/ios/topics/mbna-canada) · [zopa](https://appshunter.io/ios/topics/zopa) · [mbna](https://appshunter.io/ios/topics/mbna) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*