The Marbles Credit Card is issued by NewDay Ltd, an established credit card issuer regulated by the Financial Conduct Authority. It provides flexible account management tools, digital wallet compatibility, and clear eligibility parameters tailored to help UK consumers manage daily spending and build credit safely.
Marbles Credit Card: best credit card for building credit history
The Marbles Credit Card offers initial credit limits from £250 to £1,500, making it one of the best credit cards to build credit for applicants seeking a manageable starting line. It features full Apple Pay and Google Pay integration, zero annual fees, and a 3-month credit limit review.
By using this credit card responsibly and clearing monthly statements in full, UK consumers can systematically strengthen their credit file. Features like customizable payment dates and spending alerts help you stay in control and avoid unnecessary fees.
Should I get a credit card from NewDay Ltd?
NewDay Ltd is a leading UK financial institution operating under registration numbers 7297722 and 4134880, authorized and regulated by the FCA. Managing millions of customer accounts across various UK credit products, NewDay is well regarded for delivering accessible, consumer-focused credit solutions.
Choosing NewDay gives you access to digital account tools, 24/7 fraud monitoring, and UK-based customer support. With robust data encryption and zero liability for fraudulent online transactions, it provides a safe platform to submit your credit card application and manage payments.
How to get a credit card from NewDay Ltd?
To qualify for the Marbles Credit Card, applicants generally need to meet the following criteria:
- Aged 18 or over with permanent UK residency.
- An active UK bank or building society account.
- No bankruptcies, CCJs, or IVAs recorded in the past 36 months.
- No Marbles, Aqua, Opus, Fluid, or Bip card held within the last 12 months.
- Valid personal income, employment details, and residential history.
Apply for credit card
- Check eligibility: Complete the online FastCheck to assess your chances via a soft search with zero impact on your credit score.
- Enter your details: Provide your name, address history, employment status, and annual income.
- Review your outcome: Receive an instant decision before deciding to get a credit card through a full application.
- Submit application: Complete the final submission for a full credit assessment.
- Activate your card: Once approved, your physical card will arrive by post, allowing immediate account setup.
Frequently Asked Questions
How does Marbles Credit Card interest work?
Interest applies at a Representative APR of 34.9% (variable) on carried balances. However, you pay zero interest on purchases when you settle the statement in full by the due date.
How can I increase my Marbles Credit Card credit limit?
NewDay reviews accounts automatically, with an initial review eligibility check after 3 months (reflected on statement 4). Any increase depends on individual affordability assessments and account management.
How do I pay off my Marbles Credit Card balance?
Repayments can be made through online banking, the mobile app, bank transfers, or automatic Direct Debit. Paying more than the minimum monthly requirement helps reduce interest charges and build credit faster.
How do I cancel a credit card from NewDay Ltd?
Cancel your account by calling customer service on 0333 220 2692. Ensure all balances are cleared, pending transactions settled, and recurring payments cancelled before requesting account closure.