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 25 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 Months
Representative APR:
21.9% APR (variable)
More Information

Card Details

HSBC Balance Transfer*
  • 0% interest on balance transfers for 25 months made within first 60 days of account opening
  • 1.5% balance transfer fee (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Card Offers

Balance Transfers:
0% for 15 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 15 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Nationwide Member Credit Card - All Rounder*
  • 0% on balance transfers for 15 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 15 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Member Credit Card - All Rounder*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 28 Months
Balance Transfer Fee:
2.85%
Purchases:
0% for 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

M&S Transfer Plus*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.85% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 Months
Representative APR:
22.9% APR (variable)
More Information

Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Nationwide Member Credit Card*
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Member Credit Card*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

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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