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.

34.9% APR