# Tymit Credit Card — user reviews > 69 indexed App Store user reviews of Tymit Credit Card by Tymit LTD, rated 3.90/5 from 16 ratings. - Source: https://appshunter.io/ios/app/tymit-credit-card/id1485541131/reviews - App overview in markdown: https://appshunter.io/ios/app/tymit-credit-card/id1485541131.md - Rating breakdown: 5★ 11 · 4★ 0 · 3★ 0 · 2★ 3 · 1★ 2 ## 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 ## Newest reviews (18 of 69) ### 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 ### 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. ### 2/5 — Bugs... *2024-04-11, version 1.51.0* The app is great. When it works.. This is the 3rd time I had to delete the app an install it again because it keep saying "something went wrong. Sorry there was an unknown error. Try again late". And it remains like that for days until I delete the app and install again.. It's frustrating!!! ### 1/5 — Worst treatment of customers *2024-03-19, version 1.50.1* I got frustrated and am closing down my card snd leaving them. They treat people with zero lack of respect. Like all are suspicious people. I missed a notification and a payment by a day due to insufficient balance and they ‘locked’ down my card and after 6 months they will think about it, whether to allow me or not. I said no thank you. Bbye. ### 1/5 — Monthly charge *2024-03-19, version 1.50.1* Just closed my account, not very fair on the people who can’t afford to close there accounts, should not be allowed. ### 1/5 — Nice while it lasted. Useless if I have to pay 7£ a month *2024-03-11, version 1.49.1* It was a great offer when it was free. For 7£ a month there is no point. They offer no benefits compared to other credit cards. ### 1/5 — Was the best credit now the worst *2024-03-08, version 1.49.1* Tymit used to be the best credit card, their whole concept of paying per item and chosen how long it took to pay back per item was ground breaking. Plus the option for interest free for three months was great, Then a few months ago that changed to interest free now only for 1 month. Then a couple of days ago they messaged saying that they are introducing monthly fees at I think was £6.99 of around that price. I can’t find the email. I’ve sent them 3 messages asking to cancel my card and they are ignoring me. I hope this company goes bankrupt as they were amazing to their customers but are now awful money grabbers that don’t care about their customers Shame on you Tymit for having zero morals ### 1/5 — Useless *2024-03-07, version 1.49.1* Never use this it doesn’t work ### 1/5 — Disgraceful *2024-03-07, version 1.49.0* I have been a member since launch. I put up with app issues, poor service response. Now (7-3-24) they send email putting £6.99 monthly charge from next bill without consultation or options. Take it or close your account. Well guess what, account being closed. Disgraceful practice to treat customers this badly after putting up interest on split payments. Cannot give negative stats but NEVER USE THESE PEOPLE AGAIN. ### 1/5 — Pathetic *2024-02-03* This is an update to a review I already left. Once I left that initial review my account had been terminated and I received an email to say I had made a withdrawal of my deposit (I hadn’t manually initiated this as I was told it was automatic once this service had ceased). months later I am still waiting for this refund and nobody from customer support either knows or cares what is going on. I have received no further contact and I am sure somebody will reply to this with some basic boilerplate response. It seems to me so far at least that those of us on the Tymit Booster version of this credit card (where your deposit = your credit limit) have had our money stolen. It shouldn’t be hard to refund this deposit once the Booster service ceased operation especially since I had no balance outstanding. If this continues I won’t have much choice to seek legal action and provide the clueless responses I have already received where nobody seems to know what is going on with regards to refunds to your customers who had Booster accounts. **Developer response:** Hi, thank you for your review. Whilst we have sent multiple regular communications since December regarding Booster, we’re extremely sorry to hear about this situation and we would like to get this looked into as soon as possible. Could we kindly ask you to reach out to us at support@tymit.com with the subject line “Booster account and deposit” so that we can identify this as soon as possible. Thanks, Team Tymit. ### 1/5 — Worst company service I’ve ever had to deal with. *2024-01-20* Terrible customer service. They have no customer safety as I have had my account hacked into and my passcode changed, I tried using forgetting passcode to change my passcode yet they won’t update the url so I can actually change it even though I’ve tried 5 times to contact them they seem to dodge that one every time. Once that doesn’t work and they can’t be arsed to change anything else they just blank you and hit you with extra £10 here and extra £10 there. Do not use this app unless you want to give away free money to a scamming company. **Developer response:** Hello there, thanks for sharing your recent experience here and we're so sorry to hear this. That doesn't sound right at all. Could you be so kind to send us an email at support@tymit.com with subject line 'App Store' and we'll look into this immediately. Many thanks, Team Tymit ### 1/5 — Do not use - you are warned *2024-01-15, version 1.46.0* My Tymit card has been fraudulently used for purchases totalling £4950. And Tymit does not want to reimburse me for 9x fraudulent transactions which I never authorised. I am now in financial hardship and have to fight this fraud. If you are downloading this DO NOT! Go with another provider. This is beyond stressful. There is no way of communicating with Tymit then over email. You are warned!!!!!!! ### 3/5 — No more 3 month interest free option *2024-01-07, version 1.44.2* The 3 month interest free option was a great feature. Really distinguished itself from other products. Had the potential to be great. Shame it has been discontinued. ### 1/5 — Crashing app after recent update *2024-01-06, version 1.44.2* Ever since the most recent update I can’t open the app? It crashes everytime. Please help! ### 1/5 — Can’t log in *2024-01-04, version 1.44.2* The app has stopped working and can’t access my account since the latest update. ### 1/5 — Update has broken app *2024-01-04, version 1.44.2* The last update has completely crashed the app ### 1/5 — Incompetence *2023-11-20, version 1.42.0* Bad enough to be reported to FSA ## Most critical reviews (10 lowest-rated) ### 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. ### 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) ### 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 ### 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 ### 1/5 — App is not working *2024-04-03, version 1.50.1* App is not working for 5 days so far, i can’t see my balance to pay or pay in general … and i bet they will be after me, lovering my credit rating if i can’t pay because their app is broken ### 1/5 — Don’t trust tym is the worst credit card company *2024-04-03, version 1.50.1* Have been with this company for some years never miss a payment and in the last month I miss a payment and I payed next day and they frozen my for 6 month … this is the worst company ever ### 1/5 — DONT JOIN Tymit *2024-03-26, version 1.50.1* I joint Tymit over 3 years ago and it used to be amazing.. until In the past year the interest went up like crazy and put interest in every plan including pay in 3 months . Basically they have been taking more than I was expecting when I first joined and the Cherry on top now is they want to charge £6.99 monthly on top of their interest. I opted straight away to close the account. I am surprise it’s legal what they’re doing. Do not join this creditors because they will steal your money . Ridiculous. Absolutely disgusted. ### 1/5 — Very bad *2024-03-23, version 1.50.1* They started with 3 months 0 interest and after they changed with interest plus a monthly fee. Not recommend ### 1/5 — It’s impossible to get response *2024-03-22, version 1.50.1* I’ve been messaging and messaging and messaging for more than two months. I got no respond. Finally I decided to close the account I sent and submit three forms to close my account but still open. I managed to go one from one girl all she care about to give her a rate after she told me she close my account but that was not the case and my account still open until this minute I just submit another account closed request. If you have this, you stuck with these people. ## Most praised reviews (10 highest-rated) ### 5/5 — Sad you ending *2024-10-09, version 1.61.2* I will miss my Tymit card it’s been a godsend. ### 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 . ### 5/5 — My time with Tymit *2023-08-16, version 1.36.1* Since having and using this card for more than 2 years I’ve never any issues whatsoever always had notifications and adequate time notification for D/D coming out my bank simple to use no issues whatsoever for this I give a 5 star🌟🌟🌟🌟🌟 ### 5/5 — You got nothing to lose *2023-05-27, version 1.32.2* Great credit card love it . The app is brilliant too ,you can see and decide the best way to use your credit and it costs ### 5/5 — New rate *2023-04-19, version 1.31.0* Disappointed to see a 6% increase! Probably time to close account and go elsewhere! ### 5/5 — Absolutely Brilliant *2022-10-12* At last a card that puts you in control. 3 months to pay for a purchase interest free and the opportunity to change payment schedule if things get a little bit tight. 24 month limit on balance payback ensures no long term debt that never gets paid off. Easy app, can’t recommend highly enough. **Developer response:** Thank you so much for your feedback Olivia. It's amazing to hear that we were able to help. We're always here to support you so please drop us a line at any time. 
The easiest way to contact us is through the in-app chat. Alternatively, you can contact us at support@tymit.com. Thanks, Team Tymit ### 5/5 — Excellent *2022-08-07* Great credit card! I can split in many times I want. I recommend **Developer response:** Amazing feedback here Carmelita! Thanks for your kind words, we're happy to hear that you enjoy using the app. Thanks, Team Tymit ### 5/5 — Premium Credit Card *2022-06-15* When I first applied for my Tymit card I wasn’t sure what to expect. Since then it has become the standard by which all other cards are judged. Obviously it works with Apple Pay. Provided cash withdrawals (in whatever form) are not required and only used for purchases, it outshines any I have used. I have got used to instant response on the app, after I have used it, and the ability to select a suitable repayment period whether that be in full or any period up to two years. Up to three months does not incur any interest charge. I always know where I stand as regards payments which is a real advantage. Customer service (when needed which isn't often) is excellent. For day to day transactions why go anywhere else? **Developer response:** Thanks for taking your time and leaving us this great feedback. We're really happy to hear that you're satisfied with your Tymit account and its features. We love hearing from you, so please drop us a line at support@tymit.com or through the in-app chat at any time you need help. Thanks, Team Tymit ### 5/5 — Best credit card I’ve used *2022-05-16* I like Tymit very much because they are keen to change the way credit is traditionally given to customers. No interest on payments until after 3 months if you choose - they have options to pay in full or upto 3 months for the months purchase and it will cost you no interest! or pay over a longer term with different interest levels applicable. Really like their app where you can use their calculator that shows interest and timeline for any future planned purchases you may want to make. They feel like a much more human and customer orientated provider to me, responsive and helpful team who answer any questions you have via the app. Thx Tymit!! **Developer response:** Thank you for your kind words. We are truly happy to see that you are enjoying your Tymit experience and we really appreciate the time you spent writing your great feedback. Should you ever need any assistance, feel free to reach out in-app or via email at support@tymit.com, our team will gladly assist you! Thanks, Team Tymit ### 5/5 — Amazing concept ! *2022-02-12* Once you understand the usefulness of this card you’ll be glad you’d applied for it. It’s two cards in one: a charge card for all the transactions you want to pay in full; a credit card to spread your purchases up to 36 months with a reasonable interest rate ( 3 months spread is interest free btw ). I’m using it for all my purchases. **Developer response:** Hi Fabyon, thanks for taking your time and leaving us feedback. We're really happy to hear that you're satisfied with your Tymit account. We love hearing from you, so please drop us a line at support@tymit.com or through the in-app chat at any time. Thanks, Team Tymit --- *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.*