Marbles Credit Card Review
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From 4 ratings and 42 reviews
5% of users recommend this product
Not Again's Review of Marbles Credit Card
24th Feb 2009
Overall Rating
- Value for money

- Loyalty schemeNo
- Used card for1 year and over
- Customer service

I originally took out a platinum Mastercard branded as "Churchill," which was affiliated to the car insurance company of the same name, and issued by Beneficial Bank. At about 17% APR, the interest rate was reasonable, but not the best around. This was in 2002.
Skip forward a few years and the affiliation with Churchill came to an end. Beneficial replaced the card with one of its own branding. Over the years their interest rate crept up a bit, but I never really got around to ditching them.
Skip forward another few years and Beneficial sell out to a company called "Aviemore Funding Ltd," which, according to the blurb from Beneficial are "a specialist credit card provider." .
The APR also took another upward hike at this time.
Skip forward a few weeks and my new Marbles branded Mastercard arrives, administered by Aviemore and issued by Bank of Scotland PLC. I phoned them up to check what the APR was, and promptly paid off the full balance there and then (by debit card) when I was informed that it war 27.9%. The polite man didn't even bother trying to keep my custom when I told him it was way too high. The only thing I still have to do, at the time of writing, is to call them back in a few days to fully close the account as it will take a little while for the payment to reach my account. Given that other reviewers have had problems closing their accounts, I shall back-up my call with a recorded delivery letter.
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