Reviews of Tymit Credit Card

By: TYMIT LTD App

List of user reviews and ratings for Tymit Credit Card

Total ratings

3.91 (Rating count: 3,107)

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Review summary

Tymit Credit Card offers a promising concept with flexible payment options and transparent fees, appreciated by users. However, multiple reviews highlight significant bugs and instability in the Android app, including crashes and slow load times, making core functions like payment scheduling and account access frustrating. Recent removal of 0% interest plans and added fees disappointed many. Though customer service is praised in some reports, others experience slow or unresponsive support. VPN incompatibility also poses issues for some. Overall, the app's potential is undermined by execution and reliability problems.

Pros

Innovative financial concept allowing users to split purchases into manageable payment plans.
No interest or low-interest options for spreading payments over time, helpful for budgeting.
Good customer service when contact is established, with quick issue resolution in some cases.
User-friendly concept facilitating transparency around fees and payment schedules.

Cons

The Android app is frequently buggy, with crashes, slow loading, and frequent need for reinstalling.
Poor app performance affecting critical features like viewing payments, balances, and setting payment schedules.
Lack of support for VPN users, causing incompatibility issues and potential security concerns.
Removal of popular interest-free payment options and introduction of fees reduced app value for users.
Customer support can be unresponsive or slow, especially when app or card issues occur.

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User Reviews

Recent rating average: 2.20

All time rating average: 3.91

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48% (10)

Date	Author	Comment
2024-10-12	Pe*****	App is totally incompatible with VPN, seven with split tunneling. Unforgivable in this day and age for a banking app. Will seek another provider for this reason. It's a shame.
App is totally incompatible with VPN, seven with split tunneling. Unforgivable in this day and age for a banking app. Will seek another provider for this reason. It's a shame.
2024-08-10	Aa*****	Very strict on credit ratings. Account got closed. Limits got decreased each time. Even though i always made repayments on time. No amounts pending most of the time.
Very strict on credit ratings. Account got closed. Limits got decreased each time. Even though i always made repayments on time. No amounts pending most of the time.
2024-04-03	Mi*****	Removing the three-month interest-free option is terrible enough, but I would have stayed. However, adding a fee of 6.99 gives me no reason to keep this card. Most places accept PayPal, so they will be my go-to plan in the future and offer three months of interest-free, plus no fee. In addition, there are financial options from stores such as Fraser Pay for clothing that offer interest-free options, leaving this app with zero value proposition and a small demographic audience. Shame.
Removing the three-month interest-free option is terrible enough, but I would have stayed. However, adding a fee of 6.99 gives me no reason to keep this card. Most places accept PayPal, so they will be my go-to plan in the future and offer three months of interest-free, plus no fee. In addition, there are financial options from stores such as Fraser Pay for clothing that offer interest-free options, leaving this app with zero value proposition and a small demographic audience. Shame.
2023-07-03	Cr*****	I've used Tymit for years now, it's been brilliant and great for larger payments like home or car insurance. Or just allowing you to pay for a food shop if money is tight at the end of the month. [5* normally] Unfortunately they've just announced they're removing the 0% 3-month plan from the app as of 19th July and replacing it with 29.9% APR instead. Normally I'd rave about this app and recommend it to anybody - yet I now find myself deleting my account and uninstalling the app. Disappointed!
I've used Tymit for years now, it's been brilliant and great for larger payments like home or car insurance. Or just allowing you to pay for a food shop if money is tight at the end of the month. [5* normally] Unfortunately they've just announced they're removing the 0% 3-month plan from the app as of 19th July and replacing it with 29.9% APR instead. Normally I'd rave about this app and recommend it to anybody - yet I now find myself deleting my account and uninstalling the app. Disappointed!
2023-03-27	Ma*****	This is a great credit facility and good support service, quick response but the app has been failing for the last month, I can not see payments, when they are due and have to keep deleting and reinstalling from Google store. I have been to-ing and fro-ing with support team but as yet still having issues.
This is a great credit facility and good support service, quick response but the app has been failing for the last month, I can not see payments, when they are due and have to keep deleting and reinstalling from Google store. I have been to-ing and fro-ing with support team but as yet still having issues.
2023-03-09	Jo*****	At first, the app was great. I can't fault the card. However, for the past month now, it doesn't load or doesn't come through when I have put a transaction through for the verification and can't access anything straight off. I have to keep uninstalling and reinstalling just to use the app once.
At first, the app was great. I can't fault the card. However, for the past month now, it doesn't load or doesn't come through when I have put a transaction through for the verification and can't access anything straight off. I have to keep uninstalling and reinstalling just to use the app once.
2022-10-29	Sa*****	Great financial concept, but buggy app implementation. Too many taps to set up a schedule even after enabling biometrics. Why give the pin as the first option and not biometrics while confirming a schedule?? This only applies to android. The app on my wife's iPhone is easy to use with face-id being activated as soon as we chose a schedule. Fix this please. Can we not have the option to have a blanket-schedule for all purchases as set by the customer?
Great financial concept, but buggy app implementation. Too many taps to set up a schedule even after enabling biometrics. Why give the pin as the first option and not biometrics while confirming a schedule?? This only applies to android. The app on my wife's iPhone is easy to use with face-id being activated as soon as we chose a schedule. Fix this please. Can we not have the option to have a blanket-schedule for all purchases as set by the customer?
2022-02-21	De*****	I had £5.01 available credit. Deposited £20 check the app and I have £12.96 available credit. UPDATE: Things seemed to have improved with Tymit. They've now introduced open banking for instsnt deposits which really solidifies my trust in adding money as I felt I strange to send money to some random account and have to wait a random amount of time. Also, they've seemed to fix some backend things because for the first time I can add them to Paypal? So update from 1 star to 5 stars for effort.
I had £5.01 available credit. Deposited £20 check the app and I have £12.96 available credit. UPDATE: Things seemed to have improved with Tymit. They've now introduced open banking for instsnt deposits which really solidifies my trust in adding money as I felt I strange to send money to some random account and have to wait a random amount of time. Also, they've seemed to fix some backend things because for the first time I can add them to Paypal? So update from 1 star to 5 stars for effort.
2021-12-06	Da*****	The best credit card you could ask for, it includes no interest 3 monthly payment options or the ability to spread the cost for a longer term for a negligible interest charge. The app is easy to use and understand and if you encounter any issue (mine was minor) their customer service is excellent, would highly recommend to anyone!
The best credit card you could ask for, it includes no interest 3 monthly payment options or the ability to spread the cost for a longer term for a negligible interest charge. The app is easy to use and understand and if you encounter any issue (mine was minor) their customer service is excellent, would highly recommend to anyone!
2021-08-06	Jo*****	Very buggy app, always have to open twice. More importantly, after transferring money into the account the card refused to work. Pin wasn't accepted (double checked I was using the one registered in the app) and contactless wouldn't work. Used the 'chat with us' feature in the app, no response, I followed up two more times still with no response. Considering my money was in one of their accounts and I had no way to use it this is unacceptable customer service. Great idea, poorly executed.
Very buggy app, always have to open twice. More importantly, after transferring money into the account the card refused to work. Pin wasn't accepted (double checked I was using the one registered in the app) and contactless wouldn't work. Used the 'chat with us' feature in the app, no response, I followed up two more times still with no response. Considering my money was in one of their accounts and I had no way to use it this is unacceptable customer service. Great idea, poorly executed.