Granite Credit Card – The Smart Way to Build your Credit

The card for people with poor credit

Easy to manage credit limit from £150 - £1,000^
You could get a credit limit increase after your 5th statement*^
Further increases possible every 5 months, up to £3,500*^

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Representative 34.9% APR (variable)

No annual fee
A responsible Credit Limit assigned to help you stay in control of your finances^
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring to warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your card
Visa is widely accepted in the UK & abroad
Convenient for paying online or over the phone
A friendly UK Customer Service call centre

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If you have any questions about the granite Visa Card, or its suitability for your needs, then please read the Important Pre-Contract Information (see 'Apply' section of form), our frequently asked questions page, and read our Card Summary. To find out more about Repayment Option Plan, an optional feature of your account, click here.

Representative
34.9% APR
(variable)

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Benefits and Features
Find out more about the great features of the Granite card.
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^Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.

* To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain credit. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.

Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156).

Mi Money Limited is authorised and regulated by the Financial Conduct Authority.

The Granite card is promoted by MI Money Limited, part of the Media Ingenuity Group, and issued by Vanquis Bank Limited. MI Money Limited is a tied credit intermediary and promotes the Granite card exclusively in partnership with Vanquis Bank. MI Money Limited Trading Address: Churchill House, 142-146 Old Street, London EC1V 9BW. Registered Office: Eastcastle House, 27-28 Eastcastle Street London WIW 8DH. Registered in England and Wales, company number 6967012.