If you’re seeking a credit card to help build your credit score and you have a less-than-perfect financial history, the thimbl Credit Builder Credit Card stands out with its transparent 48.9% APR (variable). Applicants benefit from a personalised credit limit, starting at £200 up to £2,000, depending on individual circumstances and eligibility checks. To apply, you must be employed and meet the minimum monthly income threshold of £800 after tax, plus be a UK resident aged 18 to 70 with one year’s UK address history.

How to apply step by step

• First, check if you meet the eligibility requirements (age, income, residency, employment status).
• Complete the eligibility check online; this does not affect your credit score.
• If eligible, proceed with the full application, submitting proof of income and address if requested.
• A hard credit search and open banking assessment may be conducted during application.
• Await your approval decision; successful applicants receive limits tailored to their profile.

Key benefits

One main advantage of this card is its potential to help you build or improve your credit score, as all payments are reported to major credit reference agencies. Responsible usage, such as timely repayments, positively impacts your financial standing.

Additionally, their transparent eligibility checker lets you see your chances without leaving a mark on your credit file, making the process stress-free. The manageable credit limit and modern app controls help you maintain budgeting discipline every month.

Potential drawbacks

There are some cons to consider. The high APR of 48.9% variable means carrying a balance can be costly, so paying in full is advisable to avoid interest.

Also, the card is not available to the unemployed, and applicants must not have an IVA or recent bankruptcy, limiting access for some individuals seeking credit rehabilitation.

Our verdict

The thimbl Credit Builder Credit Card is a solid choice if you’re in steady employment and wish to strengthen your credit profile with manageable limits. While the APR is high, the card’s focus on responsible lending and modern controls may support your goals if used with care. It is particularly beneficial for those who may have been declined elsewhere due to thin files or imperfect histories and want to rebuild their financial reputation.