Marbles Credit Card Reviews
Latest Reviews
★☆☆☆☆
Written on: 17/03/2011
“This is not just an ordinary credit card this is a...”
This is not just an ordinary credit card this is a Marbles Masterbard credit card backed by one of our biggest casinos (sorry Bank). Theire service is second to none - ie there is no service. The staff make Muppets look intelligent and polite. I have had the card for 12+ years and just used it to get goods delivered to our office address. We moved and my card dissapeared - i think it got archived - no probs - ring up and let them know and do the address change at the same time. Went through security...
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★☆☆☆☆
Written on: 29/01/2011
“Simply put AVOID THIS COMPANY AT ALL costs. I was...”
Simply put AVOID THIS COMPANY AT ALL costs. I was paying monthly payments back on this card, regularly and on time and they never had the decency of sending me a monthly statements. Despite numerous calls to the call centres this still took months to resolve. So a letter to head office was called for. Having written to them explaining this issue and politely asking them for the balance (so I could pay the full amount off) I received a letter over 14 days later stating " A credit card agreement unlike...
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★☆☆☆☆
Written on: 03/09/2010
“Just had a letter from [name removed] Senior manager...”
Just had a letter from [name removed] Senior manager Customer Services (oxymoron) reducing my credit limit to £1000. called thecustomer service team to query this and ask for it to be put back to what it was. They refused as I don't use the card. I keep it for a back up in case Visa or Amex is not accepted.Had a card for many years not a late payer, good credit rating. I was told they can't change my credit limit, I explained that this is useless, what if I wanted to go and buy a car and put...
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★☆☆☆☆
Written on: 08/06/2010
“Horrified to discover that I am just one more long...”
Horrified to discover that I am just one more long term customer who has been 'done over' by Marbles. I suspected that they wanted to get rid of the customers by making the service so unbelievably bad that enough would leave and they could close the card down. Now it looks like they really don't care about anything except screwing every penny out of you any petty way that they can. How can a bank operate like this so soon after they supposedly put their house in order. ...
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★☆☆☆☆
Written on: 02/05/2010
“Marbles are shocking! I have had my account for about...”
Marbles are shocking! I have had my account for about 5 years, always paid on time & never been a problem to them. I also have a good credit rating & have checked this with Experian to be certain. I hadn't used my card for a few months, and they suddenly dropped my credit from 6k to 800.00! Then I have proceeded to get letters every few months with interest rate raises to the ridiculous. Now standing at 38.9%! How can this be legal! They are part of HBOS and I have accounts with HBOS and also...
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★☆☆☆☆
Written on: 07/02/2010
“If I could pay my Marbles card off and close the...”
If I could pay my Marbles card off and close the account down I would have done so last year when they increased the interest on purchases and cash to 39.9%. I tried to transfer a lump sum from another card as a damage limitation exercise to at least reduce the balance. However, I was told that this was not acceptable because they needed proof of where I had obtained the money. (Obviously - a balance transfer from another ctredit card of which I had given the details.) However, the transfer was...
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★☆☆☆☆
Written on: 02/02/2010
“Have used this card for many years now, never...”
Have used this card for many years now, never defaulted, NOW they've abused my loyalty, or at least so now that it has been handed to HALIFAX BANK OF SCOTLAND! thats funny they also are my current account holder,have quite a few thousands in their accounts, they have me over a barrel, as they can legaly dip into my moneys and take any payments from me should I ever default....avoid at all costs....
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★☆☆☆☆
Written on: 12/12/2009
“Used this card for over year. ”
Used this card for over year. Over last year raised interest rate shot up from 14.9% to a ridiculous 23.9% out of the blue knowing that we were in a recdesiion also altered terms & conditions. This has caused a lot of stress and confusion financially. I have an impeccable credit record and payment my had always been made on time I had to take remortgage my house to take some equity to pay back these 'Sharks'. Closed my account straight away and felty much better. People out there avoid this...
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★☆☆☆☆
Written on: 05/11/2009
“Used this card for several years. Over last year...”
Used this card for several years. Over last year raised interest rate fr.14.9% to 23.9% Altered terms & conditions, reduced my credit limit from £9K to 2.9K Caused muddle, stress and confusion, which they denied.All this hassle, way too many pieces of paper each month. My credit record is excellent and payment has always been made on time It would appear the credit card industry have become the "new loan sharks" in addition to their other dubious banking practices which are now common knowledge....
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★☆☆☆☆
Written on: 29/10/2009
“just received their latest letter with ever increasing...”
just received their latest letter with ever increasing hiking of rates - now increasing to 37.95%!!!!!!! from Jan 2010 - won't be with them that long - what a bunch of sharks these Aviemore bunch are (supported by Bank of Scotland) so BoS can also kiss goodbye to my Halifax current & savings account also. BoS? Bag of Sh..! If I could give them zero I would....
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Showing 1 - 10 of 50 Reviews
★☆☆☆☆
Written on: 21/10/2009
“This company, Marbles, is screwing its loyal long term...”
This company, Marbles, is screwing its loyal long term customers who never default and always pay on time. What price loyalty? A 33.9% interest rate is your distinctly unpalatable loyalty bonus! My advice to anyone in this position is GET RID NOW. I am paying mine off ( along with MBNA who are charging nearer 35% ) in full. If you can't do that, make a balance transfer or take out a loan to pay it off.( Bear in mind there is no 3% balance transfer fee when you take out a loan and if you can...
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★☆☆☆☆
Written on: 02/10/2009
“Customer Service?bought concert tickets nov 2008 for...”
Customer Service?bought concert tickets nov 2008 for concert in oct 2009 on internet with beneficial visa transpired vendor was previous bankrupt ticket tout.confirmed in guardian newspaper and bbc watchdog programme.I tried to cancel payment with benificial who stated that the vendor had to have opportunity to provide tickets,but would make comment on my accountfor future reference. Feb 2009 Marbles take over account, tickets arrive 5 days before event not what originally ordered and costing £100...
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★☆☆☆☆
Written on: 07/09/2009
“I had this Marbles Credit Card for many years. They...”
I had this Marbles Credit Card for many years. They keep hiking up the interest rate virtually with every statement, up to a number around 35%. Just a thought: a rate such as this would constitute a criminal offence in major European countries suh as France and Germany. I got out now. It is the most appalling business - let alone their non-existent customer service - I have ever experienced....
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★☆☆☆☆
Written on: 06/09/2009
“Really terrible. Was shattered when it moved from...”
Really terrible. Was shattered when it moved from Beneficial (who also weren't brilliant but had quite good balance transfer rates) and they shot the rate up from 15.9% to 29.5%!!! I had 2 Marbles Credit cards and have paid them both off. Never again! ...
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★☆☆☆☆
Written on: 09/08/2009
“Avoid Marbles Credit Card like you would avoid...”
Avoid Marbles Credit Card like you would avoid swimming in shark infested waters with a bleeding leg and thrashing about alot. Just checking my statement and Iam being charged 33.94% for purchases (a rubber dinghy would be good) and 38.92% for cash...Horrendous...at least Dick Turpin wore as mask!...
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★☆☆☆☆
Written on: 05/08/2009
“I initially took out the Marbles Credit Card on a 0%...”
I initially took out the Marbles Credit Card on a 0% interest offer which was great but was shocked when a recent statement informed me in small print that the interest rate would be increasing to over 30% as of July 1st 2009. Needless to say I transferred the balance ASAP. My advise is if you can get a good 0% interest deal with Marbles go for it but remember to transfer any outstanding balances before the term is up. With interests rates at their lowest, this is nothing but greed and exploitation....
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★☆☆☆☆
Written on: 17/07/2009
“Absolutely useless!!!! ”
Absolutely useless!!!! I have had nothing but problems with them I havent used this card for 3 years. I asked Marbles to claim back some money for a breakdown recovery which had been wrongly taken from this card (under the instruction of the insurance company) this disputed payment amount remained on my card which is why the account was never closed. When marbles changed companys i had a letter stating that this disputed payment had been resolved. When the statement came they had not only left...
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☆☆☆☆☆
Written on: 19/06/2009
“Marbles Credit Card is probably the worst credit card...”
Marbles Credit Card is probably the worst credit card i have ever had, the service they provide is appalling and the interest rate is crippling. have now paid off. never again...
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☆☆☆☆☆
Written on: 15/06/2009
“Marbles is a greedy, grabbing, worthless bank. How...”
Marbles is a greedy, grabbing, worthless bank. How dare they casually rip us off. Having completely messed up themselves and been saved by tax payers they then turn on their own customers....
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☆☆☆☆☆
Written on: 12/06/2009
“I am glad to have found this site as I have been...”
I am glad to have found this site as I have been staggered by Marbles recently. Firstly they withdrew my available credit limit from aroun 6k to 800 pounds. On the basis that I hadn't used this available credit, although the reason for this was that I had paid off the card, but did want to continue to use it. I rang them but got nowhere. Secondly my interest rate is now 34%!! Crikey that is ridiculous! Ii have now paid off the card in full transferring the balance. I cannot understand how now...
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Showing 11 - 20 of 50 Reviews
☆☆☆☆☆
Written on: 15/05/2009
“Marbles card transferred from Beneficial in February. ...”
Marbles card transferred from Beneficial in February. Did not activate it but asked for it to be changed to a signature card on 3rd March. They would contact me with response. Two months on I asked again with the same result - they would contact me. Shortly after I got a letter telling me that the interest rate would be increased to more than 38% and that I could cancel if I so wished. No mention of the request to change it to a signature card. Guess what I will be doing. For all the years I have...
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☆☆☆☆☆
Written on: 11/05/2009
“Marbles? Who makes up their policies?? Its about time...”
Marbles? Who makes up their policies?? Its about time the Government stepped in to tighten up credit card company tactics. They wrote to me to say they had increased my maximum amount limit....then 3 wqeeks later write to say the interest rate has been hiked to 30%. I hadn't activated the new card, so maybe this annoyed them! I'll be aiming to pay off my balance as soon as possible now, as no other lending I have comes anywhere near this shocking interest rate - I'd almost get better rates from...
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★☆☆☆☆
Written on: 08/05/2009
“Just received letter from Marbles Credit Card...”
Just received letter from Marbles Credit Card informing me of new interest rate 19.95% (not as high as some reviews - however significantly higher than most others). As I only put a minimal amount on the card and paid in full, I will pay off in full and not use again in protest at this action when bank rate is so low....
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★☆☆☆☆
Written on: 06/05/2009
“I do not understand why the Government has not stepped...”
I do not understand why the Government has not stepped in to curb the ever increasing rise in Marbles interest rates; especially as they are linked to the Bank of Scotland. There is no legislation which can prevent their actions as the government has long supported mismanagement of financial markets and their constant increase in interest is a good example. It appears to me that Aviemore Funding Limited is out to make as much money from the customers they dragged into their system by taking over...
Read full reviewPhry's response to Damocles the first's Review
Written on: 16/06/2009
I agree with this review because... my own experiences with Marbles is that my own account started at 23.9 percent but is now a whopping 39.9 percent interest rate!
☆☆☆☆☆
Written on: 03/05/2009
“I had not activated my replacement Marbles Credit Card...”
I had not activated my replacement Marbles Credit Card from Marbles because the interest rates were excessive. When I received a mail from them saying the rates were to increase even further, to almost 30%, I phoned to cancel. The operator was quick to deal with the request and asked if it was due to the latest rate increase. His manner indicated it wasn't the first call of the day. Get rid of this card if you can would be my advice. There are even store cards that offer better rates than this shower....
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☆☆☆☆☆
Written on: 01/05/2009
“Had my Beneficial Card account transferred to Marbles...”
Had my Beneficial Card account transferred to Marbles in Feb 09 - May 1st 09 get a letter from Marbles to say that they are increasing the interest rate from 22% to 31.95% rate - rang to tell them where they ccan stick their card. Always pay my card in full each month so it doesn't really effect me , but with base rates @ less than 1% why does Marbles need to hike the APR by nearly 50%.Don't do business with this company hit them where it hurts in the corporate pocket....
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☆☆☆☆☆
Written on: 29/04/2009
“I've had no problems with Marbles until they changed...”
I've had no problems with Marbles until they changed to Aviemore. Since then I got charged £12 for being overdrawn even though I paid on time but the payment protection is taken out at a different time so took me over my limit, which they didn't tell me until I complained. Also my interest rates went from 11.9% for purchases to 22.9%, for cash withdrawalls from 14.9% to 29.9%. The way they use your payments to pay off the interest has also changed, they now pay off the lowest rate of interest...
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☆☆☆☆☆
Written on: 23/04/2009
“Interest rate on my Marbles Credit Card has gone thru...”
Interest rate on my Marbles Credit Card has gone thru the roof, I'm now paying more interest than my minimum monthly payment. How do I get out of it. Phoned them to ask why they just said 2.5% of balance, 2.465% per ? = 33% APR. Why are these people so much more than any other credit card company....
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☆☆☆☆☆
Written on: 21/04/2009
“Recived Marbles Credit card when Benefical sold...”
Recived Marbles Credit card when Benefical sold out.Very first statement did not arrive,they wanted £12 for late payment.All was then paid, balance +late payment fine to clear balance.Next statement arrives,they have charged 15p interest.?? Closed a/c, should never have accepted tjis card...
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★☆☆☆☆
Written on: 16/04/2009
“Marbles credit card has delivered dreadful cutomer...”
Marbles credit card has delivered dreadful cutomer service and experiences since it was sold. Nobody seems to care, i have transfered my business to Virgin money however a credit from a shop was posted back on my card after i paid it off. Nett result THEY owe me £139. Its been over a week and i have made many calls to people who either don't care or don't have the intelligence to be in a customer facing role and they still HAVE NOT credited my bank account for the £139 they owe me. Dreadful...
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Showing 21 - 30 of 50 Reviews
★☆☆☆☆
Written on: 08/04/2009
“I went for a Marbles card when they first started. ...”
I went for a Marbles card when they first started. All was fine at the begining - nice simple online managment service - and getting cash back on the account was a real bonus. Then I had several occassions when my transaction was stopped due to suspicion of fraud (but it wasn't) and I had to ring their service centre to get the card going again. Then on 3 separate occassions they called me and told me to destroy my card as it had been frauded - a bit inconvenient with over a weeks wait each time....
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★★★☆☆
Written on: 05/04/2009
“For the last 15 years I have been a non resident in UK. ”
For the last 15 years I have been a non resident in UK. My Beneficial Bank Account of 20 years was tranferred without any warning to a Marbles Credit Card Account last February. I had a large positive balance in the Beneficial account which went along with the unwanted transfer into Marbles. When I tried to get web access to my Marbles Account I was told I could not have it as I had a US address. BTW: They sent me the new Marbles cards to my US Address which after phoning Marbles to ask what the...
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☆☆☆☆☆
Written on: 21/03/2009
“The Marbles Credit Card feels to me like the most...”
The Marbles Credit Card feels to me like the most poorly administered card I have ever used. Despite telling them every time I go abroad, the card never seems to work and I find myself having to ring them again to get them to switch it on at great expense to myself. They recently sent me a new Mastercard to replace the old card which had not expired without appearing to ask me. When my direct debit failed due to the number changing, they appeared to charge me £12. I have paid it off in full...
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☆☆☆☆☆
Written on: 05/03/2009
“You miss a payment just by one day with marble credit...”
You miss a payment just by one day with marble credit card, not intetionally but by mistake and they charge you late payment and they follow up with ten call a day using number 08445 and they will not reason with you. They sent you a statement with the late payment included and it state the date when you should pay buit ALAS horrible people. I used to be with beneficial finance until they become Marbles!!!!!! RUBBISH!!!!...
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☆☆☆☆☆
Written on: 24/02/2009
“I originally took out a platinum Mastercard branded as...”
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...
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☆☆☆☆☆
Written on: 12/01/2009
“I used to love this Marbles credit card, apart from...”
I used to love this Marbles credit card, apart from the offshore call centres. Now that their interest rate has risen beyond belief,Interest rate on my account jumped from 15.9% to 27.9% when the business was sold to Aviemore Funding....
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☆☆☆☆☆
Written on: 06/01/2009
“When I queried why the interest rate had doubled, when...”
When I queried why the interest rate had doubled, when base rates have fallen to 2%, they said it was to do with economic factors and my personal situation. I was shocked, as I have never missed a payment on any credit agreement. Is the 30.9% a reflection on me, or is everyone else being charged the same rate? Comments please......
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☆☆☆☆☆
Written on: 06/12/2008
“Treats customers like dirt. Rips them off. charges...”
Treats customers like dirt. Rips them off. charges extortionate interest rates. I have now closed my account and suggest that everyone else who an, does. Do not be ripped off....
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★☆☆☆☆
Written on: 12/11/2008
“The APR has increased to sub prime but as I pay in...”
The APR has increased to sub prime but as I pay in full it was not a problem, the loss of cashback was? I have not been given any reasons as to why they want to lose a high spending customer. I did like the brand but it has changed so much in the last year I have now closed the account and went to another card who are happy to have me. Sorry marbles but my trust in you has gone....
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☆☆☆☆☆
Written on: 02/10/2008
“The APR on my Marbles Credit Card has been increased...”
The APR on my Marbles Credit Card has been increased month by month, and is now 33.6%. This is simply profiteering. ...
Read full reviewPhry's response to synpaul's Review
Written on: 23/02/2009
I found this review helpful because... after having my interest rate increased on my card to 33.9 percent, it confirmed that the interest was increased unilaterally for marbles customers, rather than just on an individual basis.
See next 10 reviews
Showing 31 - 40 of 50 Reviews
☆☆☆☆☆
Written on: 16/07/2008
“My interest rate on my Marbles credit card has gone up...”
My interest rate on my Marbles credit card has gone up to 28.9% with no warning or explanation - I think that is enough said about this company!...
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☆☆☆☆☆
Written on: 14/06/2008
“There has been no contact info given by the new owners.”
There has been no contact info given by the new owners. Even hfc customer complaints had no contact phone no. They managed to get me an address off another credit card website. They advised me to take my case to ombudsman as they thought it was disgraceful....
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☆☆☆☆☆
Written on: 23/03/2008
“My account with Marbles was transferred to Aviemore,...”
My account with Marbles was transferred to Aviemore, the interest rate was raised from 16.9% to 23.9% at a stroke. Whoever owns them must be making a small fortune (again)...
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★★★★☆
Written on: 16/11/2007
“Always had excellent service, and got a really quick...”
Always had excellent service, and got a really quick answer when I telephoned about moving to New Zealand. They gave me excellent advice and were really helpful. I have never had any problems with the website. Perhaps the people complaining have problems with their own set-up. I've had a marbles card for years, with no problems whatsoever. However I am worried about the sell off the Aviemore Funding, and may well switch to another provider unless their terms are favorable....
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★★☆☆☆
Written on: 05/11/2007
“Absolutely terrible customer service at Marbles, they...”
Absolutely terrible customer service at Marbles, they also have the cheek to put their 0870 number on for customer service when they have a free phone 0800 number. Another corporate with an overseas call centre which is a nightmare to contact and with the terrible web site which keeps crashing when trying to make payments. Why can't an internet credit card provider have at least a decent web site that works. Very Frustrating...
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★☆☆☆☆
Written on: 01/04/2007
“I intend to use the refunded money then cut the...”
I intend to use the refunded money then cut the Marbles credit card up again. I think Marbles customer service leaves much to be desired, and the internet site is appalling....
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☆☆☆☆☆
Written on: 19/02/2007
“In short, if they are still doing a good balance...”
In short, if they are still doing a good balance transfer deal and you do not require online access - take it. BUT take into account the potential issues with customer services. There are far better credit card companies than Marbles wanting to service you and your well earned money. Choose carefully!...
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★☆☆☆☆
Written on: 14/06/2006
“The main selling point of the Marbles Credit Card that...”
The main selling point of the Marbles Credit Card that I was drawn to seems to be the reason I'll have to leave, unless they sort out their site and compatibility issues. I can't stay with an internet credit card if I can't manage it online, and I have to call them to do it....
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☆☆☆☆☆
Written on: 15/06/2005
“I had a Marble credit card long ago, and asked them to...”
I had a Marble credit card long ago, and asked them to cancel the credit agreement 2 years ago. However, after my actual experience with them, I can honestly say that I will never again want to do anything with them, absolutely not.
I cut the card off and called them to cancel my credit agreement after my account balance was clear as zero, but they disregarded me no matter how many time I called to them or wrote to them for card cancellation. They continually send me statements with zero...
★★★★★
Written on: 10/06/2005
“I can honestly say that my Marbles Mastercard is the...”
I can honestly say that my Marbles Mastercard is the best credit card I have ever had and I will not be switching to another provider, even when my 6 months grace period ends next month. Marbles is a trading name of HFC bank based in Birmingham, which is an affiliate of HSBC. Marbles offer a good rate of 0% for 6 months on balance transfers, after which the rate jumps to between 11.9 and 14.9%APR (just over 1% a month). Marbles is perhaps better suited to purchases rather than balance transfers...
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