😥 We have made the difficult decision to close Koto Card Limited (trading as The Credit Thing).

We would like to say thank you for using The Credit Thing. We endeavoured to create an accessible financial services product with a great customer experience, that welcomed everyone, but sadly we are no longer able to carry on that mission

What this means for you

Click here if you are a Credit customer with an outstanding balance
Click here if you have Personal Funds on your E-money account
Please also visit our FAQS page for more information and questions you might have about this.

After the 1st April 2024, if you have questions or need help in any way with your credit agreement, please call Scott & Mears (on behalf of Countrywide Collections Services) on 0808 196 8224 or email them at customer@scottandmears.co.uk

After the 12th April 2024, if you have questions about your e-money account or need help transferring your money to another account please contact Prepay Technologies Limited by email TheCreditThingCS@edenred.com