Granite credit card / Vanquis Bank / Offers review
Whether you have a poor credit rating, a previous problem with a credit card, court judgments against you, or even various other financial problems, you can apply for a Granite credit card. These cards are issued by Vanquis, and the company is based in the UK. It has already been awarded several awards by the internet industry, and has dedicated itself to offering an easy-to-use, flexible card. The Granite credit card is suitable for all types of use, including internet and high street use. It is also possible to use the cart for an ATM.
Benefits to the Card
With a Granite credit card, there are no yearly fees, and you will have a low credit limit which is designed to help you get a better grip on your finances. Because the Granite card is designed for people who have a previous history of bad credit and is intended to allow them to get back some of their positive credit rating, it has a strict policy of paying the monthly rates. However, there are a few rewards which you can get for using your card at certain retailers. For example, Sainsbury's, the supermarket, offers 15% off when the card is used at their stores and B&Q, the Home Improvements store, offer some money off paints.
Why Choose a Granite Card
You can apply online to Vanquis, and will not be charged anything for your application, even if your card is approved. The application form will usually take around 2 weeks to assess, and you can then start using the credit card. You can pay off your Granite credit card's interest bills in a number of ways, including over the telephone, or via the internet, or by going to a local bank or building society and using the ready-printed form which Granite send with your monthly statement.
