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GRANITE CREDIT CARD
granite Credit Card (Poor Rating Credit Card)Visa Card
        
Granite launched this card to make personal finance better. Granite thinks that means making things easier and offering greater value to their customers. Granite will consider your application even if you have poor credit history, past credit card problems, previous CCJs or other financial problems.
Advantages
1. Easy to manage credit limit of up to 500
2. You could get a credit increase on your 4th statement*
3. Further increases possible every 4 months, up to 3,000*
4. Thousands of great discounts with Granite rewards
Disadvantages
1. Late payment and overlimit fees 12
2. Returned payment fee if a Direct Debit or cheque is not honoured 12
3. Tracing charge if we have to trace you 25
4. Takes up to 14 days to find out if you have been accepted for the Grante card after applying online.
5. Interest on the card is worked out on a risk base strategy, therefore it is diffcicult to obtain exact figures until Granite Card assess the information on the application form and any information on your credit history from credit referencing agencies.
6. Rates from 34.9% APR variable to 59.9% APR variable depending on individual circumstances
Acceptance Criteria
1. You must be 18 or over
Services
Chip & Pin: NoRebuild Credit: Yes
Costs, Rates & Fees
Representative APR: 34.9%
Representative Example:
For a puchase of 250 on your credit card: For 6 months, 50 repayment each month, 23 interest charged.
Credit Limit: £500.00
Balance Tranfer Rate: 34.9%Balance Tranfer Period: Until Repaid
New Purchase Rate: 34.95%New Purchase Period: 56 days
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