Lendable Ltd thimbl Credit Builder Credit Card
Representative APR
48.9% APR (variable)
Purchases
48.9% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 48.9% (variable) p.a., most accepted customers get a rate of 48.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The thimbl credit card is designed to help build your credit history while avoiding fees on foreign transactions. With a focus on credit building, it may suit those who plan to pay off their balance in full each month. thimbl is a trading style of Digitonomy Limited, a credit broker exclusively for Zable (a trading style of Lendable Limited). If you’re eligible and choose to apply, your application will be completed on Zable’s website, and the thimbl credit card will be issued by Lendable Ltd.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Lendable Ltd |
|---|---|
| Network | Mastercard |
| Primary Category | Credit Building |
| Loyalty Scheme | None |
| Incentive on opening | This card has no foreign transaction fees and can be managed via the Zable app. Zable periodically reviews your thimbl account and will inform you if you are eligible for a credit limit increase. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 48.9% (variable) p.a. |
| Purchases Interest Free Period | 35 days |
| Balance Transfers | Not Available |
| Balance Transfer Fee | 0.00% |
| Cash Advances | 48.9% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 200.00 |
| Maximum Credit Limit | Subject to Status: £2,000. Over time, this can increase up to £4,000. |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 0% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 0% |
| Foreign Usage World | 0% |
Application Requirements
| Availability | Available to new customers but must not have a Zable credit card. You must be employed, with a monthly net income of at least £800 per month. You must have a UK bank account, a valid debit card and have an active credit account that has been opened for a minimum of 12 months. You must not bankrupt or have any Individual Voluntary Arrangements (IVAs) on your credit file. |
|---|---|
| Minimum Income | £ 800 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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