Credit Cards

Shout Credit Card @ www.shoutcreditcard.co.uk

The Shout credit card is one of the newer credit card brands on the scene. This product can be applied for at www.shoutcreditcard.co.uk that was setup in early 2012. Shout is a trading name of R Raphael & Sons Plc, with the card servicing coming from CCUK Finance Ltd and the site ownership belonging to Credit Benefit Services LLC. This is exactly the same setup that is in place with the Rise credit card. From studying the loan specifics, there are no differences in that regard either. As the case at Rise, you will be paying a set charge depending on your monthly balance. A £0 balance will be £3.50, (£0.01 to £100) will be £15, (£100.01 to £200) will be £30 and (£200.01 to £300) will be £45.

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Black Diamond Credit Card @ www.blackdiamondcreditcards.co.uk

The Black Diamond credit card can only be reached today at www.blackdiamondcreditcards.co.uk that was registered recently in 2012 and is owned by Credit Benefit Services LLC. On the main Vanquis site, they state that they launched both the Aquis and Black Diamond cards in the year 2009. Vanquis Bank now looks to simply just fund this credit card only. Credit Benefit Services also run the site for the Rise credit card that was previously introduced and is funded by R. Raphael & Sons Plc. This officially termed Black Diamond Visa carries an expensive 59.9% APR figure and is designed towards those new to credit or those looking to improve a damaged score. Between £150 and £1000 is available at first that can rise up to a possible £3000.

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Aquis Credit Card @ www.aquis.vanquis.co.uk

The Aquis credit card runs on the Vanquis subdomain at www.aquis.vanquis.co.uk with their about page stating that this card was launched in the year 2009. The Aquis credit card is headed as the Aquis Visa Card and it shares many of the same characteristics as the main Vanquis release. This includes for example the same maximum £1000 credit limit that in time can rise up to a maximum figure of £3000. The difference in place here is the highly competitive rate considering that this is a poor credit card. This rate stands today at 29.8% APR. It looks to be packaged as a credit building card, but you can imagine them being a little more strict with who they choose to accept based on that decent rate.

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Argos Credit Card @ www.argos.co.uk

Argos was founded in 1973, although their roots can be traced back to 1958. This company that is part of Home Retail Group Plc is one of the leading UK retailers operating at www.argos.co.uk with only Amazon really outshining them today. The button for the Argos Credit & Insurance department is listed at the bottom of their site, but it is catered on the same domain and once reached headlines various financial products. The Argos Credit Card is not to be confused with the Argos Card that is a store card issued by Argos Card Services where the login is controlled at www.myargoscard.co.uk. The product in question is headlined as a credit building card and it is issued by Vanquis Bank Ltd.

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Rise Credit Card @ www.risecredit.co.uk

The Rise credit card is a Visa product from R Raphael & Sons Plc with this card being serviced by CCUK Finance Ltd. There is a note that the site itself is operated by Credit Benefit Services LLC at the address of www.risecredit.co.uk that looks to have arrived in 2011. The Rise credit card is named as the Rise Visa Card that works differently than most subprime credit cards. It works around set charges based on the monthly balance. They have changed their annual example, but this was an APR figure of 303% that assumes you spent £300 on a purchase at the start and pay it back equally over the year. There will always be a minimum charge of £3.50 that increases with the balance.

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Barclaycard Credit Card @ www.barclaycard.co.uk

Barclaycard arises from Barclays PLC and stands as an iconic credit card provider accessible locally at www.barclaycard.co.uk. The first Barclaycard arrived in 1966 and it is today the market leader in the UK serving around 11 million local customers and there are 11 million customers outside of the UK. They operate from both London and Northampton. Most of the Barclaycard credit cards are designed for those with good to excellent credit scores. There is one product of interest though by the name of the Barclaycard Initial that is their highest priced product at 29.9% APR and is headlined as a credit building card. It doesn't receive the same press in this sector as for example Capital One and Vanquis Bank does with it being a more stricter choice.

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Luma Credit Card @ www.luma.co.uk

The Luma credit card was launched in 2012 from MI Money Ltd (part of the Media Ingenuity Group) located at www.luma.co.uk. The Granite credit card was introduced in a previous post that is an earlier brand from this company. Whilst their Granite product is issued by Vanquis Bank Ltd, this Luma card is issued by Capital One (Europe) Plc. Whilst the Capital One Classic card sits at 34.9% APR, the Luma sits at a higher rate of 35.9% APR. This is interesting since their alternative Granite card is cheaper than that of Vanquis (the displayed APR figure is anyway). With being launched in 2012 it still remains to be seen just how popular this credit card will become, although I do expect to see big growth in 2013.

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Granite Credit Card @ www.granitecard.co.uk

The Granite credit card will be introduced today that is more well known as simply the Granite card since they use this in their address of www.granitecard.co.uk. The company behind this product is a MI Money Ltd that is part of the Media Ingenuity Group. Although this is a branded Granite credit card, these cards are issued by Vanquis Bank Ltd. This product was released in 2010 and they have interestingly released a new branded card in 2012 by the name of Luma that is issued by Capital One this time. It is difficult to analyse just how popular the Granite card is today since they don't provide any details on their existing customer base. Their popularity based on Google search queries is quite impressive though.

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Aqua Credit Card @ www.aquacard.co.uk

The Aqua credit card is a product from SAV Credit Ltd who are based in Kent that operate via www.aquacard.co.uk. They now offer 3 individual products that includes the Aqua Advance and the Aqua Classic (there is a second Classic with a higher APR). They did previously offer a Reward card, but this has been discounted from their range. The Classic is the standard product and the Advance is the impressive release with an APR that lowers in time if the account is managed well. The Aqua card was launched in 2002 with more than 200,000 customers having been served across the UK. Capital One and Vanquis Bank in comparison have each surpassed the million mark and so Aqua hasn't quite managed to replicate the success of the big players when it comes to subprime cards.

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Capital One Credit Card @ www.capitalone.co.uk

The Capital One credit card will be the focus here that is headed under the name of the Capital One Classic that is available as a MasterCard (there was a Visa, but this has been removed by them now). They additionally provide the Capital One Secured although this is a credit building card with a small limit of £200. Outside of bad credit, they have others cards with their Aspire range being their prime product. Capital One at www.capitalone.co.uk are locally based in Nottingham and are headquartered in Virginia, USA. They launched here in the UK in 1996, although the company was formed in 1988. The card is issued by themselves as Capital One (Europe) Plc that is part of Capital One Financial Corporation.

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