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Monument Credit Cards

About Monument

The Monument Visa Card is issued by Raphael’s Bank, a private UK bank established in 1787. The independent bank is authorised and regulated by the Financial Services Authority. The Monument Visa Card is aimed at consumers with poor credit histories hoping to repair their credit rating and its APR and credit limit reflects this. Benefits can include no annual or monthly fees. Applications can be made online.

Credit Cards		Purchases	Balance Transfers	APR Representative (Variable)
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Credit Cards		Purchases	Balance Transfers	APR Representative (Variable)	Rewards
	Barclaycard Platinum with BT (26 Mths) 0.0% for 0^% 6 months months on Purchases 0.0% on Balance Transfers	0^% 6 months	0^% 26 months 3.5% fee	18.9^%	Barclaycard Unwind
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
	Tesco ClubCard Purchases Credit Card Earn ClubCard Points 0.0% for 13 months on Purchases 0.0% for 9 months on Balance Transfers Minimum Age 18 Minimum Income £5,000	0^% 16 months	0^% 9 months 2.9% fee	16.9^%	Clubcard Shopping
Representative Example: The annual purchase rate is 16.9% p.a (variable) so if you spend £1200 your representative apr will be 16.9% p.a (variable)
	Barclaycard Freedom Rewards	n/a	0^% 9 months 2.9% fee	18.9^%	Rewards, Shopping
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
	Capital One Classic Card No Annual Fee Ideal for building your credit rating You need to be over 18. You need to have some history of managing your credit even if you have had CCJs or defaults in the past. You are on the electoral roll.	n/a	n/a	34.9^%	No Rewards
Representative Example: The annual purchase rate is 34.9% p.a (variable) so if you spend £1200 your representative apr will be 34.9% p.a (variable)
	Virgin Atlantic White Card Account You need to be over 18. You do not have any recent credit defaults (CCJs, current arrears or missed payments). You are a resident in the UK and can prove residential addresses for the past two years. You have a Bank or Building Society account. You are currently employed.	n/a	0^% 6 months 2% fee	17.9^%	Flying Club Miles
Representative Example: The annual purchase rate is 17.9% p.a (variable) so if you spend £1200 your representative apr will be 17.9% p.a (variable)
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Monument Credit Cards

About Monument

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