marble credit : More Than a Credit Card

2007-03-08 10:33:40

( Financial )



The marble credit card is available to people over 21, who don’t already have a marble credit card, in a particular country. It is subject to conditions and status. The APR’s and the interest charged depend on your circumstances and on the way you conduct your account.

There are some great benefits!

• Every year on the February statement date your account will be credited with a payment represented by a certain percentage of each purchase you made in the last year.
• You won’t, however, get a cashback for:
o payments by check
o balance transfers
o other cash advantages
o PPI and other insurance premiums
o charges.

The bad news?

Purchases that are refunded, cancelled or otherwise credited will mean a deduction from your cashback calculation.

The cashback can be earned for a certain total of purchases.

But marble credit isn’t just a credit card designed to suit your life. You might not look to them for countrywide mortgage, but they offer a lot of other things like personal loans and motor travel and house insurance. Even if you can’t get countrywide mortgage, the loans are a good deal. The loans and interest rates are given according to status. You must be a certain age and receiving a regular income of a certain amount per annum. The interest rates at which they lend reflect your particular circumstances and / or the amount you require and / or your credit rating. They don’t offer loans for businesses and timeshare.

If you don’t qualify for a marble loan, you can be referred to another division of the controlling bank who has alternative products. You can only receive a loan if your credit commitments are up to date.

But should you trust them?
They understand the importance of your privacy and the fact that you don’t want your personal details to be made available – especially with regard to financial information. So they collect and keep your details responsibly.



Collecting your details responsibly
They will let you know exactly what they intend to use your information for. They collect information to:
• help them run your account
• provide you with high quality products and service
• manage their business.

They only request relevant information. All non-personal data collected is merely for statistical use.

Keeping your details responsibly
They make every effort to ensure that your details are up to date and accurate – and correct incomplete or inaccurate information as soon as possible.

Their employees don’t have easy access to your details
The security controls and procedures in place mean that employees only have limited access to your information. They only see the details for business reasons. The staff all understands how important confidentiality is.

Appropriate security
Procedures and security standards which are up to the minute mean that your details cannot be accessed unless authorized.

Limited disclosure to third parties
They only reveal your information to third parties if:
• it is necessary to perform your agreement (like a transaction)
• you give your consent
• It is permitted or required by law.

The confidentiality of others
If they disclose your personal financial details to anyone else (subsidiaries of the bank, other businesses etc), they agree to keep the same privacy rules – confidentiality is guaranteed.


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