Tymit Credit Card

I will miss my Tymit card it’s been a godsend.

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)

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.

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.

Worse company ever had a card with

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 .

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..

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.

Closed my account without a reason. I hardly used it, and now my credit rating has gone down due to the closure

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!!!