The Marbles card is offered by NewDay, a financial services company founded in 2000. A significant portion of NewDay’s business comes from store cards, which can only be used at one retailer – they issue the credit cards branded by high street stores such Topshop, Debenhams and House of Fraser. But they also offer credit cards for general use too – other offerings include the Aqua and Opus credit cards.
Much like their other cards, Marbles is a card aimed at people who haven’t used a credit card in the past and therefore have no credit history, and people with a low credit score. Having little credit history or a low credit score can make it difficult to be accepted for a credit card – but if this applies to you, you’re much more likely to be approved for a Marbles card than some other options on the market.
What’s more, if you use it carefully, a Marbles card can help build up your credit score – so it’s easier to get approved for other cards in the future. .
Your personalised chance of approval
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
Chance of approval scale
10/10 = Pre-approved
10/10 = Pre-approved
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
9.5/10 - 7/10 = Good chance
9.5/10 - 7/10 = Good chance
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
6/10 - 4/10 = Fair chance
6/10 - 4/10 = Fair chance
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
3/10 - 1/10 = Low chance
3/10 - 1/10 = Low chance
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.
Not eligible = Consider a different card
Not eligible = Consider a different card
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
Not rated = We don’t have enough infoinformation
Not rated = We don’t have enough infoinformation
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
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Please note, you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day
Marbles
Please note, you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day
Marbles