Home > Finance > Banking & Personal Finance > Credit Cards > Monument Visa Credit Card

Community images

Reviews - Monument Visa Credit Card

> Show product information

Additional Charges
Competitiveness of A...
Ease of Application
Product package
Quality of Customer ...

User reviews

Filter by
Review type
  • Quick reviews (5)
  • standard reviews (10)
Product rating
  • (2)
  • (3)
  • (2)
  • (8)
Sort by Helpfulness
  • Helpfulness
  • Product rating
  • Date

Good

0% interest until March,2005

Interest Rates could be high thereafter depending ...

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 C: 26.8%APR PREMIUM D: 31...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Satisfactory

“We'll call you back”

published 12/04/2006

Accept people with poor credit rates, card accepte...

Hugh 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...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Not for me

“Disgusted”

published 23/02/2007

0% balance transfer for 12 months

Cannot make more than 5 transactions in one day

I 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...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Good

published 25/07/2007

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

Did you find this review helpful? Yes 0

Not for me

published 18/03/2008

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!

Did you find this review helpful? Yes 0

Satisfactory

“Monumental APR”

published 16/05/2005

Seemingly easy approval

Sky-high APR; ugly card

I must admit to being something of a rate tart. If I see a 0% APR for balance transfers, I'll jump at it. It's not, you understand, that I'm a profligate spender - more that I'm something of an avid collector, so once I start something, be it stamps, pictures of wildebeest or credit cards, I find...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Not for me

published 22/07/2008

I also have had trouble with this company and they need to be reviewed by the standards agency as they always knew where i lived and state they received a payment in Dec 04 yet state i defaulted in Apr 06 . So if they new where I lived why didn't they say I owed them money or write instead of selling a debt, which they say is for £ 133.24 but with interest is now £944.32!!! Some £811 which the credit firm Cabot states I owe. So new Applicants beware and dont go and get yourself into debt with a Monument card , they don't have the decency to reply to requests asking for my statements , sincerely J Colquhoun.

Did you find this review helpful? Yes 0

Super

“MONUMENT VISA”

published 08/02/2007

Easy to get approved, Decent Credit Limit, Good B...

High APR, Easy to get into debt

I applied for this while shopping in Stratford Shopping Centre. Their Sales team was there and almost forced me to apply. They asked for any identification and used my debit card. Although my credit score was poor at that time, I got approved for the card at 19.9% with a credit limit of £1000...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Good

“would you credit it!!!!!”

published 25/12/2006

its handy if your skint

high intrest

Application From the very basic application form I filled in I gathered that this credit car is suitable for young people needing to build up their credit rating or people who have a poor credit rating . The application did not require many details which many others do for example your...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Super

“MONUMENT CREDIT CARD”

published 28/11/2006

MONUMENT credit limit

interests

The Monument Credit Card is a trading name for Barclays Bank PLC , They really are the same. If you have to make them a payment through standing order you need to call them and they would give you the correct details, but the payment needs to be named to Barclays Bank. I got one and the more I...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Not for me

Ease of Balance Transfer

Terrible Customer Service

I've been a monument customer for three years, and upto January 2006 never had a blemish or issue with the company and was overall v.happy. At the end of January i found my account has been used fraudently and reported this to Monument for investigation, this has been a nightmare and has been...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Not for me

published 28/10/2008

My experience is that i can not find a contact number for them, I see you have there contact number, is it possible that you can send me there contact number, Many Thanks - Mark. Email - markyport@yahoo.co.uk

Did you find this review helpful? Yes 0

Not for me

published 22/05/2007

Their customer service is appalling. I felt that they just wanted to extort money from me. When I moved a broad last year they refused to send statements to my US address. I would advise never to enter into a contract with this company. I have experienced lies and rudeness from their representatives and believe in most cases the staff don't really know what they are doing with the exception of taking money from you.

Did you find this review helpful? Yes 0

Not for me

“Mr Z”

published 14/09/2006

easy application

a very very bad company

i had monument for nearly 4 years now, they gave me a credit limit £2000 i was really impressed as i never did have that much on a single credit card, so i said to my self why not, i got my card and didn't need to used for nearly 4 months, after that i get married then i did used a lots, as it...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0

Not for me

Easy card to get

Real rip off if you default

This is a very easy card to get. Once I got it I spent up and then got myself into problems paying it back. There were over £ 600 in charges added to my account and eventualy they sent a bailiff. They do send out all the details of the default charges and costs associated with being a defaulter...

> Read review

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges

Did you find this review helpful? Yes 0