Know if you'll be accepted before you apply

Know if you'll be accepted before you apply

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The easy way to check your eligibility without affecting your credit rating

  • Up to £1,500 credit limit
  • Quickcheck won't affect your credit rating
  • Get a quick response

39.9% APR representative (variable)

Think Money Ltd is the credit broker for the thinkmoney Credit Card. Capital One is the lender and they pay us for our services.

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Mobile app

Manage your account on your smartphone or online


Pay for up to £45 worth of items quickly and securely

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So you can stay in control of your money 24/7

What's QuickCheck?

We do a pre-check of your application with credit reference agencies. You can view this on your credit file but no-one else can.

  • Won't impact your credit rating
  • Get a 'yes' or 'no' before you apply
  • Get a response in 60 seconds

Is it right for you?

If you're looking for a simple, straightforward credit card, with a manageable credit limit, thinkmoney could help.

You're more likely to be accepted for the thinkmoney credit card if you are:

  • Over 18 and on the electoral roll
  • Able to show history of managing credit

Borrow and spend responsibly

Top features

We do a pre-check of your application with the credit reference agencies. You'll be able to see this on your credit file, but no-one else will.

  • One interest rate for all transactions
  • It could help rebuild your credit score if you meet your monthly repayments and stay within your credit limit. Not doing so could harm your credit rating
  • Add up to three additional cardholders - you can then keep track of their spending. Remember, you’re responsible for all transactions on the account

Can I apply if I have a bad credit rating?

You may still be accepted for a thinkmoney Credit Card if your credit rating isn't perfect - even if you have CCJ's or defaults. Use QuickCheck to see if you'll be accepted before you apply - it won't affect your credit rating.

I've been declined for credit in the past, does this mean I won't be accepted?

Not necessarily, no. We'll make a decision based on all the information you and the credit reference agencies give us. Even if you have a bad credit history, you may still be eligible for the thinkmoney Credit Card. Use our QuickCheck to see if you'll be accepted before you apply.

What's the credit limit?

The thinkmoney Credit Card comes with an easy to manage credit limit, from £200 to £1,500.

What information will I need when I apply?

We'll ask for your personal details, including your addresses for the last two years. We'll also ask your employment status and the time you've been with your bank.

The thinkmoney Credit Card is issued by Capital One (Europe) plc.

Think Money Ltd, Registered office: Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Registered in England and Wales, (Company number 5530040).

Mastercard® is a registered trademark of Mastercard International Incorporated. Capital One® is a registered mark of Capital One. Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham NG2 3HX.