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See what reviewers are saying

Rated 5 out of 5 stars

I'm completely new client. Came from Ukraine having experience with related app in Ukraine - mono Bank. So far pretty positive experience. As less interactions with real people as possible. But whe... See more

Company replied

Rated 1 out of 5 stars

Guys,read review before.You open the account send all required paperwork and they ask for more.Driving license wasn't sufficient,they need proof of address and another id document.If you refused cred... See more

Company replied

Rated 1 out of 5 stars

** STILL WAITING NO UPDATES *** NOW OVER A MONTH NO UPDATE SUPPORT DON’T KNOW WHAT IS GOING ON Advised eligible on the 19th Sept however credit account remains at bear with us making tweaks ever since... See more

Company replied

Rated 1 out of 5 stars

What can I say, 1 star is 5 stars too many. Impossible to use product, statments contain charges being added and taken off many times and the helpdesk staff do not understand anything, logged on t... See more

Company replied

Company details

  1. Non-Bank Financial Service
  2. Mobile Money Agent

Written by the company

A challenger in the UK credit market. It combines credit card, the features of a neobank and e-money account. Join the credit revolution! Our mission is to make the experience of getting a credit simple, fast and convenient without unnecessary bureaucracy. Therefore, we’ve developed an app that you’ll want to use every day thanks to affordable credit conditions, smart features and cashless payments. All in one app. We look at eligibility for credit individually, and use Open Banking to make things easy - no need to send in bank statements or answer lots of questions to apply.


Contact info

3.1

Average

TrustScore 3 out of 5

259 reviews

5-star
4-star
3-star
2-star
1-star

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

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Rated 5 out of 5 stars

Support

Support is unavailable! Thanks!

September 24, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello Lina! Thank you so much for your kind words! You inspire us to move mountains! 😼❤️

Rated 5 out of 5 stars

Let's say this bank is almost like a…

Let's say this bank is almost like a monobank in Ukraine 🇺🇦. We are waiting for plastic cards and the full work of all transactions.

September 19, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Mykhaylo! Thank you for your review. We will keep improving the product. Stay tuned, there's so much more ahead. 😼❤️

Rated 5 out of 5 stars

Thank you very much to the support team…

Thank you very much to the support team for quick response and tremendous help.

September 15, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello Alla! Thank you for your review. It means a lot to us! We will keep improving our product to make sure we provide the best experience for our customers :)

Rated 5 out of 5 stars

I wish I can give 10 stars

I wish I can give 10 stars. 🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟. The customer services are the best and they respond immediately, although my credit limit given is low. I made a payment for electric jack in march and didn't receive anything until when I got a pouch of manicure sets late April. After complaint, my fund was reversed within 2 day. This review should have been sent since then, but it's not too late. Always nice experiences with them

September 1, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi. Thank you for your feedback! We do appreciate it! 😼❤️

Rated 1 out of 5 stars

Either serious incompetence or a scam

Having gone through a lengthy procedure I was offered credit of £250. My credit rating is over 900 so clearly there is an error. They refused to investigate or explain or even let me speak to a real person. If they can't get it right on day one, what hope is there for the future?

After some thought I now believe this company is a SCAM. They offer ludicrously low credit and try to get you to pre-load your card. So not really a credit card at all.

Either that or they have taken my data for some other reason. I certainly don't need a £250 credit card.

August 29, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi! We are sorry we weren't able to provide you with what you were looking for at this time. The amount of credit limit granted based on a number of factors such as your income, expenses and how much you can afford.

As a responsible lender, we take a decision based on all the information provided to us from our credit reference agency.

We want to point out, that we didn't decline to arrange a call with you. Also, we have acknowledged your complaint and will provide you with our final response within the standard timeframe mentioned in our email.

Rated 5 out of 5 stars

Very good bank

Very good bank, online support works perfectly solved all issues in a short time. The best bank

August 25, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello! Thank you for your review. We do appreciate your opinion! 😼❤️

Rated 5 out of 5 stars

Absolutely impressed by customers…

Absolutely impressed by customers service. Friendly and immediately.

August 25, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Annushka! Thank you for your 5-star review. We will do our best to keep providing you with the best service!

Rated 5 out of 5 stars

The app is simple and intuitive

The app is simple and intuitive! In support, people immediately answer, not bots! Support is very attentive

August 21, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Dmitriy! Thank you for your five-star review. We do appreciate your opinion! 😼❤️

Rated 5 out of 5 stars

Lovely bank and amazing support

Lovely bank and amazing support, that solves any problem in one touch! Good job keep going

August 19, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Irina! Thank you for your 5-star review. We are very happy to hear about your experience with The Credit Thing. You are inspiring us to move mountains :)

Rated 5 out of 5 stars

Thank you for help

Thank you for help, it is a best bank what I used before, how monobank!) I’m glad to speak with personal in Ukraine language and they to knew English, best service in the world!)

August 9, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Bogdan! Thank you for your review. We will keep improving the product. Stay tuned, there's so much more ahead. 😼❤️

Rated 5 out of 5 stars

Support is amazing 🙂 I hope I'll be…

Support is amazing 🙂 I hope I'll be happy with using my account also 😸
Thank you guys!

July 30, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello Oksana! Thank you for your kind words! We do hope so as well. If you need any help - just let us know. We are here for you! 😼❤️

Rated 5 out of 5 stars

Wonderful staff Anastasiia helped me…

Wonderful staff Anastasiia helped me when I was trying to transfer money. Every time I have needed help,, the staff have been more than helpful and sorted it very quickly. I am just waiting now when they will begin to issue physical cards again. However, the help they have provided is amazing!

July 22, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello Amit! We are glad to hear that. Stick with The Credit Thing, we think it will make us both happier. :)

As for the plastic card issue, we are already working on it. Stay tuned!

Rated 1 out of 5 stars

Very bad company

I had to give one star when I should of given 0. My account had a temporary block put on it which they won't tell me why. Then I was stranded in the petrol station for 2 hours with fuel I couldn't pay for. I have no electric no gas and cannot pay any bills due to this block. They have had all my evidence which was 3 months bank statements.
My son is severely disabled and requires a pump to be fed which hooks up to an electrical outlet. Due to having NO electric I cannot feed my son. I have have had to go somewhere else to try and feed him and use their electric.
It's a sham. It really is. Asking em for a bank statement for July when my bank statements gets processed on the 3rd of each month, therfore rhe next one would be processed on the 3rd August. Done everything they have asked but still won't unlock my account without julys statement which DOES NOT EXCIST.

July 20, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Good afternoon! I understand that you are unhappy with our request for additional information regarding your account activity. At The Credit Thing, we review our customers’ accounts on a regular basis and after receiving the requested information we have unblocked your account. We understand your frustration, but we want to bring to your attention that we always act accordingly to our Terms and Conditions.

Rated 5 out of 5 stars

Great service

Great service! Handy mobile application!

July 17, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Dmitriy! Thank you for your five-star review. We do appreciate your feedback!

Rated 5 out of 5 stars

Highly recommend

In the world where everything is so slow and takes days to solve, those guys do amazing job. I had few requests which they solved within short time.

Thanks to all your team ❤️

July 12, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hello Tetiana! Thank you so much for your review. We are really happy to hear that you are satisfied with The Credit Thing. We will do our best in order to keep it up! 😼❤️

Rated 5 out of 5 stars

bank employees helped to solve a…

bank employees helped to solve a difficult situation with ace. I am very grateful and recommend this bank for the quick resolution of problems and cooperation with clients.

July 9, 2022
Unprompted review
The Credit Thing logo

Reply from The Credit Thing

Hi Maria! Thanks for your 5-star review. We are very happy to hear about your experience with The Credit Thing :)

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