The Granite Visa Card was introduced by Vanquis Bank to improve existing Vanquis credit cards. While the Granite card is definitely different from the existing cards, most of us will want to know: Is this card great looking for you? Why should you apply for a Granite card instead of other cards? Will this card keep you afloat while dealing with your credit problems?

Most financial experts will encourage you to start improving your credit rating immediately if you are already caught in a credit crunch. The problem most of the time is that ordinary lenders will not give you any credit. So, the irony is: How can you fix your credit report if you don't get approval for your credit card requests?

Well, Vanquis Bank specializes in providing credit facilities to people with bad credit. Even if you have CCJ's (District Court ruling) in the file, it will still be pending. So far, Vanquis has claimed that the Granite Card has helped more than 50,000 customers renew their credit points. So, with the Granite Visa card, you can start rebuilding your balance if you always pay your balances before due dates and practice good debt management.

Besides providing credit cards to people with a bad credit history, there are also no annual fees and hidden fees that you need to pay for each month, provided you pay off your balances in full. There are some "gold" or "platinum" cards on the market that charge you annual fees - this is an unnecessary burden if you have credit problems.

Other than that, Granite Rewards is much more comprehensive than any other bad credit card program. Vanquis has set up deals and discounts with hundreds of the UK's leading retailers. Some of the prominent retailers who participated in this program are Debenhams, Pizza Express, Tesco, The Body Shop and These deals with retailers are great because in addition to doing regular shopping, you can enjoy discounts and repair your credit file at the same time.

Currently, only granite's credit card competitors offer such discounts.

If you are concerned that Vanquis Bank will roast it when applying for the card, you should not worry about that at all. To apply, you just need to fill out an online form. If your application is accepted, you will receive a polite phone call from Vanquis to verify your identity. Once done, they will send your card to your address by mail.