Granite Credit Card


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Granite Credit cards are offered by Vanquis Bank and are another possible solution for anyone struggling with a bad credit history. In this guide, we’re going to explain the ins and outs of the Granite Credit Card to help you make your decision on whether or not this particular card is right for you. Let’s get started with some of the basics.


As discussed above, Granite cards are an unsecured credit card offered by Vanquis Bank. This particular bank was established back in 2002 as part of the Friends Provident Group, and have currently helped over 3.5 million people in the UK get credit.

However, the Granite card differs from the standard Vanquis card in a number of ways. First of all, it is promoted by a separate company - called MI Money Limited - and it has a slightly lower interest rate than the Vanquis alternative. Next, let’s take a look at the overall product and what you can expect in terms of features.

Products & features

To apply for a Granite credit card you must be over 18 years old and a UK resident. You are also not allowed to take ou a Granite card if you already have a Vanquis card. These are cards that are ideal for those who have problems with their credit scores, or been refused credit in the past. Like most other online credit card lenders, the Granite card is simple to apply for - the entire process only lasts a couple of minutes, assuming you have all the relevant information at hand.

When you first get accepted onto the credit card scheme, you will be given a limit of between £150 and £1,000, depending on your current credit rating and financial situation. Your account is reviewed every four months, and if you have been responsible with your finances, you may be offered a credit increase. The total increases are capped at £4,000.

The card can be used anywhere that accepts Visa payments, and you need to set up a repayment direct debit to ensure you pay off what you can afford at the end of each month. If you clear your balance completely each month, you will not have to pay interest.

The benefits of getting a Granite credit card are that it is a perfect way of improving or building your credit score. And it’s also worth pointing out that your Granite card will occasionally give you rewards. These rewards can vary, but it has been know to get you discounts of up to 25 percent if you use your Granite card in particular retail outlets.


While the interest rates attached to the Granite credit card seem high, they are a useful tool for improving your credit rating. As long as you pay off your balance in full regularly, you may not even have to pay interest, as well as getting the occasional discount in-store. While these cards are not for everyone, with considered and safe use, they will get your credit rating up closer to where it needs to be.