In this review, we consider the merits of the marbles credit card, which is a credit-builder option from the same parent company as providers Aqua and Opal.
All three offer credit cards for those with poor credit that include features to help build up their credit records over time.
Key facts about the marbles credit card
Best for: Those with poor credit looking for a straightforward card.
Introductory offer: No introductory offer.
Representative APR: 34.9% variable.
Fees: No annual fee.
Perks: No specific perks.
Pros of the marbles credit card
- Provides you with a tool to improve your credit rating over time if you manage it correctly.
- Credit limit review after the first 3 months, meaning you could get an increase on your 4th statement.
- Interest free for 56 days on purchases, if you pay the balance in full on time each month.
Cons of the marbles credit card
- The card doesn't offer any perks or introductory offers unlike many others on the market.
- Initial credit limit as low as £250 - although it could be as high as £1200 - subject to status.
- Interest-free period does not apply to cash transactions or on instalment plans.
How to manage your payments on the marbles credit card
Cardholders can manage their accounts online and receive e-notifications when they are reaching their credit limit.
How to apply for the marbles credit card
The first step is to use the online eligibility checker, which will show whether you are likely to be accepted for the card without leaving a mark on your credit report. If successful, you will be guided through the online application process.