Marbles

Since the last review on Marbles appears to have been written nearly a year ago it is time for an up to date one. I applied for a Marbles credit card 5 weeks ago as I have recently been experiencing cashflow problems. The idea of an interest free loan for 6 months seemed too good to be true, but this is effectively what the latest Marbles promotion amounts to. All balance transfers and purchases made in the first 6 months will be charged at 0% as long as you make the minimum repayment each month. There is no annual fee. I came across this offer on The Lolly website ( an internet shopping cashback tool )which was offering 10 pounds for succesful ...

Well orginally Marbles was going to be the 'first' internet credit card but Egg got in first! Marbles is issued by HFC (Household Finance Corporation) Bank PLC, a large American company. Marbles has been around for about 3 years now and has some very attractive features. It has an Interest Rate of 14.9% on purchases and you can get an introductory rate of 1.9% fixed for 6 months. This gives a blended interest rate of 13.4%. At this point I better explain what blended interest means!! Those chaps at Trading Standards decided in their wisdom that we were all being ripped off by credit card companies. We couldn't ...

I have been with many credit cards because i like to use their introductory rate and then move on (which they don't seem to mind) What surprised me about the marbles credit card is the credit limit. When i apply for a credit card the limit is usually around 10% of my income. With marbles it was around 33%. In the last 12-18 months they have now raised it to 60%! I would never use it all because i wouldn't be able to keep up the repayments but if you needed a card with standard service and rates but an eceptional credit limit then you can't go wrong with marbles. ...