Marbles

This card is a real no no. My husband has had this card for about 5 years and when it started out it was part of the HSBC group. It started on a 9 months interest free period and then after 9 months went to 9% apr. We were quite happy with this as we did not really run the card up high. By end of 2007 the rate was 14% which was still very competetive. In the middle of 2008 this card was sold lock stock and barrel to the Sav group who immediately put the interest up to 20%. We did not realise as there was no notification to inform us of this and I did not pay close enought attention to the statement, other than to verify that our payments were reaching ...  Read the complete review

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 ...  Read the complete review

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 ...  Read the complete review

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. ...  Read the complete review

I have been a customer of Marbles for nearly three years now, and my experiences with them are somewhat mixed. ~ Applying for your card ~ The Marbles card is quite easy to apply for, and it more publicised now than when I first joined. Like many other cards and personal loans it comes courtesy of HFC Bank in Birmingham, so you know it's a large company backing it up. You can apply online at www.marbles.com. ~ Interest rates ~ Generally people are more clued up about interest rates these days. Marbles are currently offering 0% interest fixed rate (14.9% variable) for 6 months on balance transfers and purchases. Although the ...  Read the complete review