Marbles Balance Transfer

Marbles Balance Transfer

What are the current Marbles balance transfer options for UK customers with a Marbles credit card?

Recently, we have seen many Marbles credit card customers looking for answers on the topic of making a Marbles balance transfer.

The current Marbles credit card is a credit card which is primarily for those customers who have a low income and no credit history, or for those with a poor credit history. As a result the standard interest rate on the Marbles card is a higher than average representative 34.9% APR variable.

With this higher than average interest rate, it is no surprise that many customers are looking to make a balance transfer to a new credit card with a lower interest rate, in order to save money.

Marbles Balance Transfer

Customers who have had a Marbles credit card for 12 months or more, stayed within their credit limit and who have made all the monthly payments on time during that period are more likely to have improved their overall credit rating.

With a stronger credit history, a customer then has the option to make a balance transfer to another credit card with  a lower interest rate and can then save money by paying a lot less in interest.

Many of the other UK credit cards will accept a Marbles balance transfer, although a customer will need to have an improved credit rating to successfully apply for any new 0% balance transfer credit card.

The following featured balance transfer cards are most likely to be suitable for a Marbles card balance transfer:-


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Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
2.95%
Purchases:
0% for up to 20 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 20 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
No balance transfers allowed to this card from TSB credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

Card Offers

Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Purchases:
0% for 26 months
Representative APR:
21.7% APR (variable)
More Information

Card Details

Santander All in One
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0% interest on purchases for 26 month from date account opened
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
More Information
Monthly fee of £3 payable
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable
No balance transfers allowed to this card from Santander credit cards

Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 months
Representative APR:
20.9% APR (variable)
More Information

Card Details

Sainsbury’s Dual Offer
  • 0% interest on balance transfers for up to 20 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 20 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Dual Offer
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards

Marbles Credit Card Balance Transfer

All of the above UK credit cards will accept a Marbles balance transfer online, provided the customer meets the new credit card’s application criteria.

Existing Marbles credit card customers are much more likely to be accepted for any of the above 0% transfer credit cards if they can meet all of the following criteria:-

  • Have had a Marbles credit card for at least 12 months or more
  • Have made at least the minimum payment on time every month
  • Have no recent late payment problems on any other debt
  • Have no recent CCJ’s
  • Have a low level of overall debt in relation to your overall annual income

UK credit card customers can make a balance transfer to a Marbles credit card, provide a 3% balance transfer fee is paid.

However given the high representative 34.9% APR variable interest rate this is unlikely to a popular balance transfer choice. However, it may appeal to some Aqua balance transfer customers, or customers looking to make a balance transfer from Vanquis. This would only be if they have a higher interest rate and continuing credit problems.

The old Marbles 0% card did provide 0% introductory rates on both balance transfers and purchases around 10 years ago. However, these 0% introductory rates are now no longer available on the new Marbles card.


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