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Monument Visa Credit Card

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THE FACTS: Monument Visa Card offer 5 different rates of card. All have 0% interest rates on purchases or balance transfers until 1st. March, 2005. The main differences are the interest rates thereafter. PLATINUM: 16.9%APR PREMIUM A: 16.9%APR PREMIUM B: 26.9% APR PREMIUM ... Read review

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Community Level 3feather13

feather13

Monument really tried my patience

Advantages0% interest until March,2005

DisadvantagesInterest Rates could be high thereafter depending on card type

"...Monument Visa Card offer 5 different rates of card. All have 0% interest rates on purchases or balance transfers until 1st. March, 2005. The main differences are the interest rates thereafter. PLATINUM: 16.9%APR PREMIUM A: 16.9%APR PREMIUM B: 26.9% APR PREMIUM C: 26.8%APR PREMIUM D: 31.99%APR The minimum payment is 3% of the balance or £10 whichever is the greater, except for the platinum card which is 2% of the balance or £5. Monument ..." Read review
02.09.2004

Ciao members have rated this review on average: very helpful

Community Level 5claireydea...

claireydeacon

We'll call you back

AdvantagesAccept people with poor credit rates, card accepted in lots of places

DisadvantagesHugh credit limit increases, poor customer service

"I first chose Monument as a credit card supplier as my husband had bad debt and as we are "financially linked" this rubbed off on my score too, and Monument were the cheapest that I could find to accept me. I started off with about a £500.00 limit, and within a year this had been raised to £3,000.00 - no questions, no "do you want a limit increase?", no "can you afford a limit increase?" (Beware - don't spend just because you have the limit!!) Unfortunately ..." Read review
12.04.2006

Ciao members have rated this review on average: helpful

Community Level 1exiledgeor...

Quick review of Monument Visa Credit Card

"although i have used this card quite often it hasn't always been a very good experience. I have had my credit limit increased without warning and in the other direction i have had my credit limit reduced without warning and only discovered the fact whilst trying to use my card, I would only recommend having this card if you are wanting a card with a low limit to improve your credit rating
25.07.2007

Ciao members have rated this review on average: helpful

Community Level 1chrisb3141...

chrisb3141592

Disgusted

Advantages0% balance transfer for 12 months

DisadvantagesCannot make more than 5 transactions in one day

"...will soon be cancelling my Monument credit card which I have had for just over 12 months now. Initially I got it for the 12 months interest free as I had a balance I did not want to pay off on another card. I have since cleared that balance and started to use the card in my everyday spending. I have a credit limit of £8400 and no balance on the card. Whilst out shopping a few days ago I needed to go to several shops as it was my wife's birthday and ..." Read review
23.02.2007

Ciao members have rated this review on average: helpful

Community Level 1ACLAM

Quick review of Monument Visa Credit Card

"My monument card had over £2000 credit limit. When I paid off the balance I expected a replacement card when the present card reached its expiry date.Weeks after I should have got the new one I explained this over the phone to 'customer service?' they told meTHEY had cancelled my account ,and couldn't give a reason? Then told me I had overpaid them. They owed me £85 and asked IF I wanted it paid back? If so, it would take a few weeks to do so! Yet I still get a statement each month showing credit limit. Balance owing £o.oo and £o.oo should be paid by ? I would tell anyone not to use them!
18.03.2008

Ciao members have rated this review on average: helpful

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