Who is Marbles credit cards?
The Marbles card is one of a stable of credit cards offered by NewDay, a London-based provider that’ specialises in cards for people with low credit scores. These are the same people behind the Aqua and Opus cards – plus they also issue the store cards for well known brands like Amazon and Laura Ashley.
How does the Marbles credit card compare?
Marbles is a credit builder card – if you have a poor credit history, it’s full of nifty features to help you improve your credit score and keep control of your finances. Your credit limit will be small to start with, but if you use the card responsibly it’ll go up – your limit could be raised every three months. With careful use, your credit score should start to improve too. Just make sure you pay off the balance in full every month – the Marbles card has a high interest rate, so you could get trapped in rising debt.
Marbles credit card features
Marbles is designed to help you build up sensible borrowing habits, so there are plenty of extra features to help you stay in control of your credit. these include:
Alerts whenever you’re coming close to your spending limit
The option to change your payment date up to twice a year
A free mobile app, which offers everything you need to keep track of your finances in one place
Free eligibility check – you can see if you’ll be approved for a Marbles card before you even apply, so you can apply stress-free
Support from a UK-based customer helpline
No monthly or annual fees
Protection from fraud – your Fluid card is protected by MasterCard Security Check, making it harder for anyone to make fraudulent purchases in your name
Marbles is fully regulated by the Financial Conduct Authority (FCA), and you’re protected under the Consumer Credit Act. That means you’re completely protected on all purchases between £100 and £30,000
Should I get the Marbles credit card?
Whether or not the Marbles card is right for you will depend on your own circumstances. It’s a credit builder card, which means it’s ideal for people whose credit score could use some TLC, but not the best choice if you want to make a big purchase and spread it out over time. You might find it easier to get approved for a Marbles card than some other cards on the market – but use it right, and plenty more credit options will become available.
One great way to see if the Marbles card is what you’re looking for is to compare credit cards online. When you search with MoneySuperMarket, you can instantly see all the cards you’re eligible for. That way, you can see how the Marbles card stacks up against the competition, and find a card that’ll help set you on the road to better credit.
Am I eligible for a Marbles credit card?
Marbles is designed to be accessible to people with poor credit scores, but there are still a few conditions you’ll have to meet to be eligible. You must:
Be 18 or older
Be a permanent UK resident
Have an account with a UK bank or building society
How likely am I to get accepted?
The Marbles card is more lenient than most – you might still get accepted even if you’ve previously declared bankruptcy. But as always, your credit score will also be a factor. What’s more, if your credit score is higher, you’re likely to get lower interest rates. If you don’t know your credit score, MoneySuperMarket’s free credit monitor tool can help – plus, we’ll give you extra advice, useful tools, and tips to building better credit.
How long does it take to get a card?
It doesn’t take long to apply for a Marbles card, and once your application is through you should be automatically approved within seconds. It’ll take a little while longer before your card arrives in the post, but it shouldn’t be more than 7-10 working days. If it takes longer, get in touch with Marbles – they’ll let you know if something’s wrong.
Compare credit cards with MoneySuperMarket
There are plenty of cards available that can help boost your credit score, but which choice is the best? As always, it helps to shop around – once you know what’s available, it’s simple to pick a card that gives you all the features you need.
With MoneySuperMarket, finding a new credit card couldn’t be easier. Simply give us a few details about yourself and your circumstances, and we’ll search providers and the best deals to find those that suit you best. You’ll see how likely you are to be accepted for each card, so you can apply with peace of mind. Searching doesn’t affect your credit score.
MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this service. Instead we are usually paid a fee by the lenders, but the size of that payment doesn’t affect how we show products to customers.