Fraud awareness

Contact us immediately to report a fraud claim or suspicious activity!


Hit the chat button in the app


Message us through WhatsApp or the Messages App on +448009176177 (Normal network charges apply)


To prevent further attempts of fraud, you can ‘Put your card to sleep’ in the app. You can also change your passcode on the ‘more’ page if you’re concerned about your app security.


Monday - Sunday

7:00 am - 10:00 pm


We are here for all your questions. To talk to one of the team, choose the option that works for you.

Protect Yourself From Fraud


At The Credit Thing we believe it is our responsibility to educate our customers on the various fraud types and what you can do to prevent becoming a victim

Identity Fraud


The use of your personal details by a fraudster in an attempt to obtain credit, goods or services in your name. Fraudsters will use your full name, date of birth, address and contact details. Fraudsters obtain these details through a number of methods:

  • Scam texts or calls claiming to be a well known business or courier, suggesting you’ve missed a parcel or you’ve won a prize!
  • Your social media posts. A photo of your new house and birthday wishes from friends are all that are needed for a skilled fraudster.
  • Stealing your purse or wallet.

Card Fraud


When a fraudster learns your card details and uses them to complete transactions for their benefit. Similar to identity fraud, there is a number of ways a fraudster can learn these details:

  • Scam texts or calls claiming to be a well known business or courier, suggesting you must pay an additional shipping fee or offering a deal too good to be true.
  • Stealing your purse or wallet.
  • Claiming to be The Credit Thing asking for banking app login details. We will never ask for your OTP or passcode to your app
Keep an eye on your transaction history. If you don’t recognise a transaction, be sure to get in contact.

Payment Fraud


The fraudster asks you to transfer them money, this is often for goods, services or a deposit.

  • The fraudster will push for you to pay for the goods or services first. Always aim to pay after, rather than before if possible
  • Fraudsters often ask for deposits for pets, cars and second hand goods on social media sites. Check the seller where possible and never make a payment without confirmation that the sellers are able to provide the items in question.
If the seller insists on an up-front payment by bank transfer, take a moment to think. This could be too good to be true?

Feel Safer With Our Built-In Fraud Controls

We’re always improving our security features, but here are just a few we use to keep you safe:

Real time notifications

We’ll alert you as soon as a transaction or payment is complete


Biometric login

Fingerprint or selfie in addition to your PIN entry to the app


Put your card to sleep

If you’ve misplaced your card or believe it could be lost, freeze the card while you look


3D Secure

In-app notifications to approve online transactions to ensure they’re genuine