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
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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
** 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
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
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
Nightingale House, 46-48 East Street, KT17 1HQ, Epsom, United Kingdom
- support@thecreditthing.com
- thecreditthing.com
Who are you???!!
Who are you???!!! Sounds like a scam to me. Dodgy email saying they are closing my account and I need to transfer my money to another account 🤣. Yea ok, I'll do that, when I have never heard of you!!!
2 November 2023
Unprompted review
Reply from The Credit Thing
We understand that this may be a bit confusing.
Most likely, you applied for The Credit Thing account some time ago but haven't used it since.
Please email us your full name and phone number at support@thecreditthing.com. We will double-check everything and assist you in closing your account.
Thank you for your understanding!
Received an email this morning out of…
Received an email this morning out of the blue informing me they're closing my account and I have 10 pence in the account I need to transfer out of it...
Thing is, never heard of this company, certainly don't have an account with them. Their customer service seem to be clueless, to the extent they have shared account details to me that don't belong to me!
Clearly useless
2 November 2023
Unprompted review
Reply from The Credit Thing
Hi Christian,
We understand that this may be a bit confusing.
Most likely, you applied for The Credit Thing account some time ago but haven't used it since.
Please email us your full name and phone number at support@thecreditthing.com. We will double-check everything and assist you in closing your account.
Thank you for your understanding!
I had an email out of the blue
I had an email out of the blue, never heard of the company. Can't speak to a human being. Had no other emails. When I tried to call I was told I could only contact via WhatsApp or email
2 November 2023
Unprompted review
Reply from The Credit Thing
Hi Vanessa,
We understand that this may be a bit confusing.
Most likely, you applied for The Credit Thing account some time ago but haven't used it since.
Please email us your full name and phone number at support@thecreditthing.com. We will double-check everything and assist you in closing your account.
Thank you for your understanding!
Who is this company
Got a random email today out of the blue saying they are closing my account and I need to clear my balance with them
The only problem is I've never heard of them or what they do so I have no idea what balance and what it's for
But they are still demanding I pay with no care for the fact I've never heard of them
Needless to say I won't be paying a penny but certainly could be more helpful into the fact I don't know who they are before they carry on demanding payment
2 November 2023
Unprompted review
Reply from The Credit Thing
Hi Sarah,
We understand that this may be a bit confusing.
Most likely, you applied for The Credit Thing account some time ago but haven't used it since.
Please email us your full name and phone number at support@thecreditthing.com. We will double-check everything and assist you in closing your account.
Thank you for your understanding!
I guess they will close very soon
I guess they will close very soon, they are closing many accounts with no reason. I mean I do not care since I use my balance only once.
The worst thing is they want the balance back within 2 months. 0 star is what you deserve!
1 November 2023
Unprompted review
Reply from The Credit Thing
Hi Anthony!
We apologize for any inconvenience this may have caused.
Please note that if you are unable to repay the outstanding balance by the date of termination, we are ready to help you.
Contact us via chat or write to support@thecreditthing.com, and we will find a suitable solution for you!
Simply the best!
They are simply the best!! The most costumer oriented support I have ever met in my life - during each communication
1 November 2023
Unprompted review
Reply from The Credit Thing
Hi, Helen! We are extremely grateful for your feedback. We are always here to assist you 😼❤️
time wasters
Was trying to sign up two days in a row but haven’t received any confirmation sms text. I decided to contact support and ask the reason. Was so disappointed receiving an explanation “We're sorry for the inconvenience caused.
We have found it necessary to suspend new sign-ups at this time.”
Don’t you think it might be just easier to turn off the sign up button and place the warning message before wasting potential customers time?
Very disappointing service.
14 October 2023
Unprompted review
Reply from The Credit Thing
Dear Alex,
We understand that this is not the service you were expecting. We are sorry that you faced such a situation.
Thank you for bringing this issue to our attention, we will do our best to avoid similar inconveniences in the future.
I’m very impressed with the assistance…
I’m very impressed with the assistance provided by customer service. Whenever I have a question or need additional assistance, I can contact someone and get a quick response.
5 October 2023
Unprompted review
Reply from The Credit Thing
Hi Nataliia!
Thank you for your review. We do appreciate it! We will do our best to keep providing you with the best service possible. 😼❤️
Avoid!
Worst company ever! Since they were taken over from the KOTO card they show no care what so ever towards customers! Their customer service is not with in the UK and clearly have issues in understanding what is being said. They have no complaint details on their website so make it very difficult to actually log a complaint! Avoid this company at ALL costs!
28 August 2023
Unprompted review
Reply from The Credit Thing
Dear James,
First of all, we are sorry that you feel this way. We are actively working to resolve customer service issues and are always trying to take our customer experience to the next level.
Our transition from koto may have caused some inconvenience, but our team has remained the same, and we are only getting better over time.
We will review the communication in question and will provide the result in our final response to your complaint
To file a complaint, all you need to do is contact us with your concerns and your complaint will be immediately reviewed by one of our complaint handling specialists.
The easiest way to let us know that you want to file a complaint is via live chat.
Please note, that you can read more about the complaints process on our website (https://thecreditthing.com/legal-info/terms-account#:~:text=19.%20COMPLAINTS%20PROCEDURE) in paragraph 19 of our Terms and Conditions.
Thank you for your understanding.
Looks like they going belly up…
Looks like they going belly up struggling for investment as of today we will see.
15 August 2023
Unprompted review
Reply from The Credit Thing
Hi Matthew! We appreciate you are worried about our company, but there are no reasons to :)
We can confirm that our decision to temporarily not provide credit limits to any customer is part of our overall approach to reassessing our credit limit policies in light of broader economic conditions.
You can find more information here: https://thecreditthing.com/restrictions
Thank you for understanding!
Excellent service
This is the best mobile banking app in Britain! The support team is amazing, always friendly and qualified. They solved all my problems and answered all my questions immediately. Excellent service. Thank you!
29 July 2023
Unprompted review
Reply from The Credit Thing
Hi, Valentina! Thank you for your review. We are doing to do our best to always provide you with a highest-level customer support.😼❤️
Excellent team of professionals
Excellent team of professionals. Promptness and assistance in any situation. Clarification of even the most complex issues. Excellent service.
28 July 2023
Unprompted review
Reply from The Credit Thing
Hi Natalia! Thank you for your review. We do appreciate it! We will do our best to keep providing you with the best service possible. 😼❤️
I have been a victim of fraud due to your company
I have been a victim of fraud due to this company who approved a virtual credit card in my name - this has caused a great deal of personal stress for me, has lead to a bank account being closed etc. You clearly need to improve your security process and the proof of identity that individuals need to provide when applying for your products. The only positive is that Dmytro following providing proof of identity was able to quickly close the account created in my name and has passed the relevant details onto CIFAS.
I hope no one else has to go through the stress and worry I have due to your company’s failure to properly investigate before approving credit!
27 July 2023
Unprompted review
Reply from The Credit Thing
Greetings, Gwawr
Thank you for your review.
Firstly, from the name of the company, I want to apologize for the situation occurred and for any possible inconvenience.
Having investigated your situation, we can confirm that the account is closed and all the wrongful information in your name was deleted.
Such situations may happen due to your data being sold/stolen/acquired by 3rd parties and used in cases like this one.
Again, I am sorry for the situation that occurred.
excellent
This is definitely the best mobile banking app ever! The speed of response to all your requests and the professionalism and friendliness of the support team are impressive. Definitely recommend!
19 July 2023
Unprompted review
Reply from The Credit Thing
Hi, Olga! Thank you for your kind words. We are happy to deliver you an excellent service. Thank you for being our customer 😼❤️
Prompt attention to my complaint and…
Prompt attention to my complaint and super service.
15 July 2023
Unprompted review
Reply from The Credit Thing
Hello Mall! 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 :)
Helpful and supportive service
Hi, I would like to notice about how helpful and supportive this service is. I am very grateful to them for it. They helped me not just with transfered problems, but also with my airplanes ticket. It is not a problem which they shoud manage , but they did. Thank very much for high level of supporting and kindness. I will definitely recommend you to my friends .
28 June 2023
Unprompted review
Reply from The Credit Thing
Hi Alena! Thank you for your kind words. We are very glad to hear about your positive experience. Thank you for being our customer! 😼❤️
Love this !
Love this have a card on my phone but you can get a physical card also amazing customer service had an issue with a transaction was sorted very quickly and so helpful very easy to use would highly recommend it
17 May 2023
Unprompted review
Reply from The Credit Thing
Hi Cheryl! We are very glad to hear about your positive experience. Thank you for being our customer! 😼❤️
Hi level of fast accessible service
Hi level of fast accessible service. Quick responce. Always can check what happened previously. Easy to get in touch any day and time. Supportive attitude. Documents such a transaction payslip will be send to your email if any issues with overpayment. I'm happy. Helped me to get money back from Asda.
2 May 2023
Unprompted review
Reply from The Credit Thing
Hi, Mary! Thank you for your kind words. It is a pleasure to make your experience with us even better 😼❤️
Excellent level of work
Excellent level of work. Instant attention to the customer. The best service and attention to the request.
27 April 2023
Unprompted review
Reply from The Credit Thing
Hi, Natalia! We are very glad to hear about your positive experience. Thank you for being our customer! 😼❤️
Reply from The Credit Thing
Hi, Ivan! We are really grateful for your feedback. We are always here to assist you 😼❤️
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