Benefits of the Granite Credit Card
The Granite Credit Card was first launched for those with poor credit history, or other financial problems. It is a United Kingdom based credit card business which was formed in 2002 and launched in 2006. But how exactly can you benefit from owning this particular credit card?
Benefits of the Granite credit card
- There is absolutely NO annual fee
- Friendly United Kingdom Customer service department
- Easy for paying online or even over the phone
- Visa is accepted worldwide
- Free monitoring for fraud to warn you of any unusual activity found on your account
- An additional cardholder free of charge
- credit limit at a fixed limit to help you stay in control of your spending
- Up to 56 days with interest free purchasing
- Increases in your credit limit every for months
- Discounts with many great Granite rewards
- 34.9% APR (variable)
Granite credit card rewards
Another major benefit of the granite credit card is Granite rewards. These rewards provide you with access to literally thousands of exclusive deals from many UK retailers. Each reward will give you a discount when you make a purchase from any of the participating retailers.
Why exactly would you want a Granite credit card?
In addition to the above benefits and rewards if you are looking for a way to either establish a credit history or help repair a poor credit history, then Granite may be the option for you. Those that suffer from a poor credit history understand the stigmata that goes along with that. They are usually looked at as undeserving of a second chance, or a chance to rebuild their credit to where it should be. With Granite you will be treated like a human being again, one that is deserving of another chance to get things right. It is always a good feeling after being denied for so long to have someone tell you "Yes".
Additional cards for those with poor credit similar to the granite credit card
We understand that having a choice instead of only one option is very beneficial to you as a human being. There are many other credit cards similar to the granite credit card that offer you a "second chance" of reestablishing your credit history, those cards include:
- Capital One Classic: credit limit of up to 1,500, 34.9% APR
- Barclaycard Initial: Best 1st time credit card, credit limits of 250 to 1,000, 29% APR
- Aqua: credit limit up to 1,600, easy monthly payments, best for those looking to rebuild their credit history, 35.9% APR
- Vanquis Visa: Fixed credit limit to help keep you in control of spending, fraud monitoring free of card, great for those looking to rebuild, 39.9% APR
Each of the above credit cards have their own features and benefits as you can see listed. Before getting any credit card it is best to always weight the pros and cons, and make sure you have the income available to be able to manage and pay your monthly payments in a timely manner. If you end up choosing the Granite credit card you can expect excellent customer service and other great features.