Marbles credit card
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Marbles is essentially the online arm of the HFC bank, which is one of the most trusted and experienced names in the business. In fact, more than six million people in the UK have money tied up with the parent bank, so they must be doing something right. If you haven't heard of the HFC bank, you may well have heard of the company group name: HSBC (hence their strong financial backing). In addition to credit cards Marbles also offers loan and insurance services. Users will find their website easy to navigate and as slick as anything else in the marketplace.
Currently they offer just one credit card, the eponymous Marbles card. As with any aspect of the financial services industry it's worth doing your homework before making any firm commitment.
Marbles claim that their APR is set 'devilishly low' and offer supporting evidence via a comparison table with some of the most expensive credit cards available. Their APR is mid-range, although they do offer some other benefits. Incentives to sign up include the opportunity to design your own Marbles card and they are keen to advertise the fact that you can access (and manage) your account round the clock on the web. They also don't charge an annual fee and provide up to 52 days interest-free credit. Balance transfers are set at 0% for six months, which is good news for people hoping to cut repayments by switching to Marbles .
Anyone taking out a Marbles credit card can expect to cash-in on a number of additional benefits: Marbles operates a loyalty system which rewards customers with numerous competitions and special offers, plus you get free travel insurance and holiday discounts with certain travel companies. You are also covered against online fraud, although it's worth thinking about taking out additional protection (with companies like Sentinel or Credit Card Protection) in case of loss or theft.
For the Internet savvy banker, Marbles doubtless represents on of the most polished online services available (as well as one of the most stylish brand profiles), but this should be carefully weighed up against the pros and cons of the card itself. In short: Marbles may well be the right card for you, but it costs nothing to shop around.
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