Welcome to Monument Credit Card

Monument credit cards are offered by the Raphaels Bank. The name Raphaels Bank is a trademark of R. Raphael & Sons PLC, who has been in private banking since 1787. They are owned by The Lenlyn Group, which is one of the most prestigious financial groups of the United Kingdom.

The Monument Credit Card is offered by Raphaels Bank in collaboration with Visa, which is a global payments technology company. This credit works just like any other credit card, and you have to apply for one in order to be legible for it. There are certain pre requisites which you need to fulfill, and you can become the owner of a Monument credit card.

The Monument credit card is basically designed for people who have a less than positive credit history. This credit card is a subprime card, which means that it is for very short term borrowing. There are many people who are unable to get credit cards because they do not have the perfect credit score which is required by most credit card companies. But the fact is, you cannot attempt to improve your credit card if you do not even have a credit card. This is a vicious circle which many people become a victim of. With Monument credit cards, you can break free of this circle and start rebuilding your credit score.

In order to be legible for a Monument credit card, you must be at least eighteen years old. There are no annual fees for this credit card. This means that you will not be charged any amount if you are not using the credit card. Many similar credit cards have very high annual fees as they are aimed for people with bad credit, but with Monument credit cards, you do not have to worry about high fees.

There is no income limit for Monument credit cards. This means that you can apply for the card even if you do not have considerable amount of money in the bank. The startup limit of this credit card is around 500 pounds. However, as you go along and build your credit history, this amount can be increased.

With the Monument credit cards, there is an interest free period of almost 56 days. Therefore, if you pay your credit card bill within this time, you do not have to worry about any interest rates. There are five different types of Monument credit cards, depending on the interest rates. The lowest APR offered by Monument credit cards is 16.9% while the highest is almost 32%. If you are unable to pay your bill within the specified time, then these interest rates will be applied to your total charges. Collect airmiles and receive in-flight rewards with the new air miles credit card from Virgin Money

The Monument credit cards are the best solution for people who suffer from bad credit history. It is a great way to start rebuilding your credit score, because that is essential for financial stability. SO if you have a bad credit score and are not liable for other prime credit cards, go for Monument credit cards.