Yes, you can make payments towards your outstanding balance at any time. The monthly Payment Requested includes your contractual minimum payment and, where shown on your statement/account summary includes: If you had a Direct Debit set up to pay only the contractual minimum payment, we will now collect the full Payment Requested amount unless you contact us and ask us not to. As a first credit card, the Marbles card can be ideal for those new to credit or those who have recently moved to the UK. The TPP is not permitted to change any of your preferences, direct debit details or any information about you and cannot initiate a payment from your account. Please remember that when you pay for anything in a foreign currency, depending on the type of Aqua card you have, you may incur a charge. At any bank (using Giro Credit Slip) â 5 working days, Online and telephone banking â 1 working day, your monthly instalment plan payment; and/or, contractual minimum payment (plus any arrears), monthly instalment payments, if applicable. If you'd like to know more about the Bank Rate, go to the Bank of England website. You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000. I have an aqua card and an aqua loan and an opus card with a Small credit limit. It provides a quick overview of your account and shows all of these things. Have a look around the site and find out what marbles has to offer you. Marbles credit card. You can transfer balances from as many other cards as you want up to your available credit limit. If you have a balance and you have not received a statement, please call Customer Services who will be able to help you. Please log in to Online Account Manager for more information about your eligibility and how to activate a Payment Freeze. Otherwise we will send OTPs to your landline. Should you wish to make a complaint, contact us on:marbles Customer ServicesPO Box 136SheffieldS98 1HB. Any promotional or Purchase Plan rates you have will not be affected by any Bank of England Base Rate changes. There is an admin charge of Â£5 for duplicate statements. See âCan we change the cost of borrowing and other terms?â. Please be aware that: Yes you can transfer balances from credit cards, store cards and some charge cards. If youâre still having problems, contact us. The APR shown represents the interest rate offered to most successful applicants. 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance. The first is the Classic, which comes with a representative APR of 29.7% - the lowest around for credit builder cards. For further details, please refer to the âHow do we apply payments to different balances?â section in your Credit Card Agreement. Unless we've said otherwise, products are in no particular order. Setting up a Direct Debit can take up to 6 working days (not including, where relevant, the working day on which you request it). If you have not already reached your credit limit and have available credit you can continue using your card. Marbles Credit Card Review. Yes, additional cardholders can add their card to their Google Pay. daily, Post Office Money® Classic Credit Card Mastercard. During the period between your monthly statement dates, you can make a maximum of ten cash advances at an ATM and a maximum of ten cash advances in branch. You can use Find My Device to lock it, via the following link: You can then secure it with a new password, or erase your personal data. Online Account Manager and the App provide you with 24/7 instant access to your account where you can: We recommend you contact the company that you booked your travel with to see if you can rearrange your holiday or obtain a refund. If you are unsure whether a transaction that appears on your statement is authentic, give us a call on 0333 220 2692* and we will investigate further on your behalf. You can decrease your credit limit at any time by calling marbles customer services. If you choose to use a TPP, please ensure you understand how their service works, such as how they access your account with us and how they will protect your data. Like the vast majority of credit-builder cards, this credit card doesn’t come with any introductory offers on purchases or balance transfers, however, by using the card responsibly you will start to build a positive credit history, which could unlock better deals in the future. You have the choice of setting up a Direct Debit to cover at least the contractual minimum payment, the full amount due or a set amount each month (where this is less than the contractual minimum payment shown on your statement, the contractual minimum payment due will be collected). marbles will send you a text alert if you're getting close to your credit limit. Table: sorted by representative APR, promoted deals first. Learn how we maintain accuracy on our site. You will not normally be charged for receiving an OTP. our site. If your account is still in Persistent Debt after 36 months we are required to take additional measures to help you pay off your balance in a reasonable period. However, any balance that you carry from month-to-month will accrue interest at the card’s standard rate, which, not to put too fine a point on it, is high. Please note that we will only block funds if you have authorised with the retailer the exact amount of funds that are to be blocked from your card. have taken out a marbles, opus or aqua card in the past 12 months; It’s important that the information you give us is accurate. If it doesnât arrive you can request a new one. For more information, please visit www.marbles.com -ends- Notes to editors: It normally takes three hours for a Balance Transfer to be completed, depending on the processing times and type of payment process employed by your bank. Simply follow the retailer's normal checkout process. Each month you'll receive a statement from us showing where and when you used your marbles card, together with the amounts you spent. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. Payment Freeze is now available. We are a credit broker and not a lender and 4.5 out of 5 stars 170. You can choose this option as your monthly Direct Debit payment or by making manual payments each month. ... Aqua Advance card. As a marbles customer, you can enjoy the benefit of choosing a monthly payment date to suit you. Back last year I applied for both the Vanquis card and the Aqua card. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. You can also choose how you would like us to manage your credit limit preferences. NewDay was launched in 2001 with the aim of providing finance to customers with a poor or no credit history. This means it may cost you more and take you longer to repay your balance. When you set up your Direct Debit we will tell you if it will be ready in time for your upcoming payment due date. These fees will be shown on the front of your statement together with the exchange rate. Long Answer: 1. Aqua is a credit card provider that specifically targets those with poor credit histories. I decided to apply for the aqua classic card and was accepted straight away. The daily amount of cash you can withdraw is Â£300. Get it as soon as Fri, Jan 8. Fees charged for late payment or for exceeding your credit limit. finder.com is an independent comparison platform and information service While it offers no real perks, it’s more than suitable as a “stepping stone” card for those with limited credit history. If you have a Direct Debit set up (other than for a fixed amount or a Boosted Payment) weâll automatically collect the Recommended Extra Payment as well as the contractual minimum payment as part of your âPayment Requestedâ, unless you ask us not to by contacting us. Your marbles card is accepted in 32 million places and 600,000 cash points around the world. Terms apply. You can use Google Pay on most Androidâ¢ devices, as long as they run Android KitKatÂ® 4.4 or above and have near-field communication technology (NFC). For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay. Please always remember that we will never ask you for your PIN or personal details by email or SMS. The exception to this is that we will not reflect any change to Bank Rate if it falls below 0%. You can change this up to three times a year. I obtained a credit card from Aqua with a credit limit of £250 and it came on my birthday.. A relative offered me some money to buy some clothes as a … You may have heard about using credit builder cards like Aqua card as a solution. The FCA has considered ways in which credit card customers can avoid long term debt. Apple Pay does not send your real card number to the merchant, instead a unique code is assigned. As a responsible lender, we monitor accounts on an ongoing basis to see how youâre getting on and consider what is affordable before increasing a credit limit. product or commit to any plan. You can make payments at any point during the month even if you haven't received your statement yet. However please keep in mind if you only pay the contractual minimum payment (or close to it) this means it costs you more and takes a long time to repay your debt. All credit cards will help boost your credit ‘equally’, and Credit Builder cards provide no additional advantages to your credit rating over regular credit cards. I have just completed my Iva in July last year and have found it hard to obtain a credit card having a very low credit score. If you don't have a marbles card and you'd prefer not to hear from us, please call us on 0333 220 2692* and we'll make sure that your details are removed from our database. If not, please allow up to 7 working days for your payment to clear before you try to use your marbles credit card again. When you make a purchase online, marbles Secure issues a receipt to the retailer at the end of the checkout process. marbles Secure is a service offered by marbles in partnership with MastercardÂ® International. The FCA now requires us to monitor your account to check itâs not falling into Persistent Debt. If you are an existing marbles customer you could be eligible for a loan.You can visit marblesloans.co.uk and request a Personal Application Code, which youâll receive in the form of an email link, if youâre eligible to apply. APR: 34.9pc. If your balance is less than Â£5, then the full amount will need to be paid. We will also report the missed payment to credit reference agencies. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. The marbles Secure service only applies to online purchases at participating retailers. Aqua’s credit cards are designed to help you improve your credit score. We may contact you again 9 months later if youâre still in a similar situation. You can read more about our scoring criteria on our credit card methodology page. Any PIN change is live with immediate effect for both cash withdrawals and purchases. This might make it harder and more expensive for you to get credit in the future. Storecard customers can call 0330 3333 079. Credit card firm New Day to refund 180,000 over unfair charges What does New Day say? These TPPs are sometimes known as Account Information Service Providers and offer such services as the ability for you to look at all your bank and credit card accounts through one Mobile App or Website. If you make your payments by Direct Debit (other than a fixed or Boosted Payment Direct Debit) weâll automatically collect the Recommended Extra Payment as part of your Payment Requested, unless you ask us not to by contacting us. If you suspect you have fallen victim to online fraud, please contact us immediately on 0330 838 0180*. Where relevant, interest will be charged during the Payment Freeze on your current balance, new transactions and any interest accrued. You need to also ensure you pay any arrears or over limit amount immediately. If you donât pay your balance in full, we will allocate payments to your balances on your statement with the highest interest rates before balances with lower interest rates. You will also lose any promotional rates applicable to your account at that time. Finder.com Comparison UK Limited (company number: 10482489) is Yes, you can change your Payment Due Date 3 times a year. Yes. You can do this for a single month or for all your subsequent monthly payments. We have dedicated teams to monitor account activity and intercept any suspicious transactions. Yes, Google Pay can be used anywhere you see the Google Pay or Contactless icons. If you cannot make a payment for any reason, please call Customer Services as early as possible and we will do what we can to help. VAT number: 259751759. The APR applicable to your account will depend on our assessment of your application. Here are some other cards that almost anyone can get. If you have any questions about these, please feel free to call Customer Services. ... we do combined shipping when we can. Add your marbles card to your Digital Wallet to start making purchases instantly with your devices. If it isnât, we will ask you for a manual payment to cover your upcoming Payment Due Date. If you have a Direct Debit, you can ask us not to collect the Recommended Extra Payments by calling us. When we do, this Recommended Extra Payment will be shown on your statement and on your account summary in Online Account Manager and our mobile app. An easy way to do this is by using your Online Account Manager or mobile app. Aqua Classic and Advance. We can still make changes to your interest rates for other reasons as we do already. We provide credit and store cards for these retail partners: Debenhams, House of Fraser, Laura Ashley, Topshop, Topman, Burton, Wallis, Miss Selfridge, Evans, Dorothy Perkins, Outfit and Harvey Nichols. To check and update your details, login to your Online Account Manager and select Messages & Settings, Account Settings and Personal Details. We recommend that you make at least the Payment Requested shown on your statement each month. For example, they will be able to see your recent transactions and your outstanding balance. Your physical card will not be disabled if you request to only disable Apple Pay. If your phone has been lost or stolen, or compromised in any other way, you will need to call our Contact Centre on 0333 220 2692* immediately to disable your card in Apple Pay. The marbles credit card re-launches on 27th May 2015 and will sit alongside the existing aqua credit card range also provided by NewDay, supporting the varying needs of customers within the Near Prime market. may also receive compensation if you click on certain links posted on Although you must not, generally, give the security details you use to log-in to our online service to anyone else, you may give them to a TPP if it is necessary to do so. You are about to post a question on finder.com: At Finder, we value and respect our editorial independence. Calls to 0333 numbers will be charged at a standard national rate. You can also set up or amend an existing Direct Debit to make Boosted Payments. We keep our reviews completely factual so you can use them to make better decisions. In such cases, the retailer will seek to block funds temporarily from your account. Exchange Tower. accurate but you should confirm any information with the product or As soon as you realise that your card is missing, please telephone us immediately on 0333 220 2692*. You can find more information about making a complaint to the Financial Ombudsman on its website. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. This will pay your: For example, if you had a purchase balance of Â£1,000 with an interest rate of 39.9% per annum, and you only paid the contractual minimum payment each month, it could take 20 years and 11 months to pay it off. If you are still in Persistent Debt after 36 months, the FCA expects us to take action to ensure that your balance is repaid in a reasonable period. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel. We charge different interest rates according to the different ways you use your marbles credit card, for example the interest rate charged for cash withdrawals is different to the interest rate charged for purchases. Weâll send it to you by post. The FCA set a deadline of 29 August 2019 for PPI complaints and delivered a nationwide communications campaign to raise awareness of this deadline among consumers. Aqua, but i didn’t apply as not keen on the colour of that card. If you have registered for online services, you can do this by logging into your online account servicing and updating them there. This is an additional amount on top of your contractual minimum amount which we recommend you pay to clear your balance faster and help ensure your account does not fall into Persistent Debt. You can make fast and secure purchases online, through apps or in-store. ZA227007. We will also release the funds once we are made aware of the actual transaction value. I don't have any adverse data showing now though. You would not need to make a payment to us during the three months and you would be able to continue to use your account as normal. You can contact: If you don't make at least the contractual minimum payment by the payment due date, as shown on your statement, you will be charged a late payment fee of Â£12. No. We will never ask you to supply personal details in emails. We update our data regularly, but information can change between updates. This is an expensive way to borrow money and it can often take a long time to repay what you owe. To help you do this, we have introduced Boosted Payments. Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card. See below commonly asked questions, or check out our handy guide to Google Pay here. A Recommended Extra Payment is an additional payment on top of your contractual minimum payment. If you are not already registered, register here and follow the prompts to register for Online Account Manager or download and register through the App. If you withdraw cash abroad, you will also pay a cash fee of 3% (minimum £3). There is a cash advance fee of 3% (minimum Â£3) for using your card to withdraw cash. You will get a page with a âProcessingâ¦.â message after you have entered your payment details. Once in the app, follow the following instructions to add your card to Google Pay: If you don't have the marbles app, or prefer to add your card directly from the Google Pay app: Open your Google Pay app and drag the card to the front. The Card Security Code is the last three digits that appear on the back of your card, on the top right hand corner of the signature panel. By Telephone â to report your card lost or stolen call us on:0333 220 2692* (from the UK)*+44 (113) 244 9747 (from abroad), For customer enquiries or to make a payment call us on:0333 220 2692*To activate your marbles card call us on: 0800 328 2523*. All TPPs must be authorised or registered with the Financial Conduct Authority (or another EEA regulator) and so you must check, from the information that the TPP gives you before you use their services, that the TPP is authorised or otherwise permitted by law to provide such services. 98. You can pay the Payment Requested using any of the methods shown on your statement. Once you have set up your Direct Debit we will send you an email or SMS the next working day advising that your Advance Notice document and Direct Debit guarantee can be viewed in the Online Account Manager. Contact us and have your booking receipt to hand, if possible, to discuss. Your promotional and Purchase Plan rates will remain the same for the amount of time you agreed with us, as long as you continue to pay your balance on time and don't go over your credit limit. If you are Each time you make a balance transfer youâll be charged a minimum of Â£3 or 3% of the balance transfer value, whichever is greater. As part of the Mastercard network, the marbles credit card is accepted in more than 35 million locations worldwide. section of your Credit Card Agreement for further details). marbles is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd. Failing to keep up with your repayments will also result in any promotional offers being withdrawn and you will have to pay the standard purchase rate on these amounts. If you aren't happy with the final response, including if your complaint is rejected, or you do not hear back, you should contact us. Google Pay can be used anywhere you see the Google Pay or Contactless icons around the world. As a marbles cardholder, you can contact us to change your monthly payment date to suit your personal circumstances. You will receive your marbles credit card statement monthly when you have a balance, or if there is any activity on your account. Select one of the six cards to play. If you donât have a Direct Debit set up, we recommend you pay the full Payment Requested shown on your statement. In certain circumstances we may need to freeze your card until you increase your repayments. Yes, additional cardholders can add their card to their Apple Pay. They form part of the NewDay group of companies. Subject to status. If you have a balance on your account, or if there is any activity on your account, you should receive a statement each month. offer credit facilities from a panel of lenders. You can reduce your credit limit at any time, simply call Customer Services. There is a cash advance fee of 3% (minimum Â£3) for using your card to withdraw cash. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We will let you know your new rate on the next statement you get following any change. Remember, you must pay at least the contractual minimum payment by your due date to avoid a late payment fee. This usually happens when you pay only the contractual minimum payment, or an amount close to it, each month. If you make an additional payment 3 or more working days before your payment due date your Direct Debit amount will reduce by the amount you have paid. You can either edit your personal details in your online servicing account or call our customer services on 0333 220 2692*. Alternatively, you can call us on 0333 220 2692* and we can make this update for you. Following changes to the law, from 13 January 2018 you can allow an authorised Third Party Provider (TPP) to have access to your online servicing account. For more details or to arrange a Direct Debit, please call 0333 220 2692*. We will still contact you to service your account. With Mastercard, your marbles credit card is accepted in over 35 million places and 600,000 cash points around the world. The Financial Ombudsman Service hasmore on 'exceptional circumstances'. Yes itâs safe, however you should bear in mind the following: You can be safe in the knowledge that we use the latest technology to keep your details secure and have dedicated teams to monitor account activity and intercept any suspicious transactions. Alternatively, you can call Customer Services. You can also do your bit to keep your identity safe from theft. Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable). Interest is charged from the day the cash withdrawal appears on your account. Level 2, 20 St Thomas St, You should have all the claim information in the packs sent to you. If you set up a Direct Debit, the amount will be shown on your statement and your account summary online each month before your Direct Debit is collected. Consequences of preauthorising transactions, Set-up or make changes to your Direct Debit, Automatically: we will tell you about credit limit increases and activate them automatically unless you tell us not to, Let us know: weâll offer you a credit limit increase but you must contact us to accept it, No Increases: We wonât offer you credit limit increases at any time, unless you change your preference. As part of the Mastercard network, the marbles credit card … finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. You can pay the Payment Requested using the methods shown on your statement. We need you to ensure your mobile number and landline are correct so that you are able to receive one-time passcodes (OTP). Fees and rates are subject to change without notice. Please note that this does not affect any rights and obligations you or we have under the Data Protection Legislation and you may withdraw this consent by closing your account. Consider getting independent Financial advice marbles cardholder, you can read more about the Bank of England controls much! Does accept customers with can i have a marbles and aqua card poor or no credit history high rates, simply in! Now though amount immediately MacBook Pro, Pay using Touch ID payments whenever you.. Not work on Google Pay does not send your real card number of the team can i have a marbles and aqua card let! Your upcoming payment due date to avoid a late payment fee are worried about making decision! 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