Marbles Credit Card is tailored to meet the needs of people on a low income. With a variable interest rate of 34.9% APR and credit limits of up to £1,200, this card is designed for those with less-than-perfect credit histories or modest earnings. Applicants must be over 18, a UK resident, and approval is subject to status. Marbles features a FastCheck service, allowing you to check your eligibility without impacting your credit score—making initial exploration risk-free.

How to apply: Step-by-step guide

1. Visit the marbles website.
2. Use the FastCheck eligibility tool for a quick assessment.
3. Fill out the secure application form with your personal details.
4. Submit proof of UK residency if requested.
5. Wait for an instant or prompt response regarding your approval status.

Advantages of the Marbles Credit Card

Marbles is inclusive, offering access to those who may not qualify elsewhere. The free FastCheck eligibility service keeps your credit record clean.

Responsible usage such as clearing your balance on time can help you build or rebuild your credit score, potentially improving your options in the future.

Drawbacks of the Marbles Credit Card

The APR is quite high compared to mainstream cards, so carrying a balance can be costly.

Starting credit limits may be low for some applicants, and persistent missed payments can further hamper your credit profile.

Our verdict

Marbles Credit Card is ideal for people on lower incomes or those new to credit. The flexible application process and FastCheck tool offer absolute peace of mind for first-timers.

If you use the card sensibly and always repay in full, it could be a stepping stone to a stronger financial future while helping you with essential purchases.