Granite Credit Cards | www.granitecard.co.uk
The Granite credit card was an early affinity partnership between MI Money (from Media Ingenuity Group) and Vanquis Bank. The launch of www.granitecard.co.uk was announced back in January 2011. This product would later be supplemented by Luma in 2012 that this time was issued by Capital One. Outside of subprime they also have Fluid on their roster where they work with MBNA. It is however their comparison site TotallyMoney that is their primary focus. Granite’s growth over the years has been slowed through Luma becoming the greater priority that was evident from the TV ad campaigning handed on that side. As well as that, Vanquis now also issue for the retail giant Argos.
With most affinity cards it is rare to find a better deal through the partner, but this is the case here. The APR starts at 34.9% (34.95%) that is variable up to 59.9%. The main Vanquis product starts higher at 39.9%, although you can access 29.8% with Aquis. You won’t find any further distinguishable differences on this VISA. The spending limit range is headed as £150 to £1000 that can raise to £3500. You can see £4000 with their issuer that may be replicated here in time. All applications are securely taken at www.granitecard.co.uk that differs to Luma where the application form is redirected to a subdomain of Capital One’s site.
There are buttons for the login, but on hitting this you’ll be taken over to EVanquis. Decisions as made in just a minute and the cards should arrive in the post in around 2 weeks. Contact is managed by the lender and so the following times are in place: Monday to Friday (8am/8pm) and Saturday (9am/5.30pm). Going direct with Aquis can get you the most competitive rate at 29.8% and it is possible to get 29.9% with Argos. Other than these solutions, the Granite credit card is the next best option at 34.9%. This APR has obviously been price matched to the Capital One Classic that has the same rate.