Marbles Card

MoneySaver123

Applied for a Marbles card last night and was successful at the representative APR - which is good for me!

Does anyone have a Marbles card from when they relaunched in 2015 and how long did it take to arrive? What was your initial credit limit?

Also, the card is referred to by Newday as 'near prime' - is this the new term for sub prime?

[Deleted User]

Typically will take 5-7 working days.


Limits will vary by customers. But as a near/sub prime card, expect something on the low side.


Don't worry about the near/sub categorisation.

A4445

I think 33.8% APR is subprime

MoneySaver123

Pretty high, right!

It's actually not the worst out there. My Vanquis is approx 40%.

A4445

I've got a few cards with APRs ranging from 10.9% to 39.9%, I don't hold a balance but I like to get rewards

MoneySaver123

Which ones have you got for rewards or are they just mainstream lenders?

A4445

I've got

BA Amex for avios
Nationwide 0.5% cashback
Asda Cashback
Barclaycard Freedom Rewards.

I have a few other cards without rewards

MoneySaver123

Mind me asking what your credit history is like? Just so I can see what's achievable. I've actually just opened a current account with Nationwide.

A4445

My credit is ok, no missed payments or defaults, I don't have any balances on cards only what I spend monthly and pay in full.

I've had a few to many searches and new accounts recently so that's my only negatives. I don't need any new credit so I'm not applying for anything else in the near future.

ASDA card has a soft search.
Amex also has soft search
Barclaycard has it too

Apparently the creation everyday card is easy to get even with defaults, they have a soft check as well.

MoneySaver123

Awesome thanks I'll give those soft searches a try!

A4445

How's your credit? If your apply for Marbles do you have defaults?

Capital one have a soft search if your credit isn't great.