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Featured 'Bad Credit' Credit Card:
Featured Credit Cards for Bad Credit
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Credit Cards for Bad Credit
** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales. The UK Credit Card Centre is regulated by the Financial Services Authority (FSA).
Bad Credit Articles
» Some Good Info On Credit Cards: What One Is Best For You?
17/05/12 11:28 from EzineArticles
These represent the guidelines I use when picking a card. Despite the fact that there are various ways to handle it, I feel these guidelines have, and are going to continue, to guide me in the right direction. It's important to go out and l..
» Credit History - 5 Things to Do to Build It
17/05/12 09:08 from EzineArticles
There are always going to be lots of things you can do to improve your credit. A major factor in any improvement plan should be rebuilding your payment history, which everyone does differently. This article has five ideas for things that ma..
» Your Credit Score - No Longer a Mystery
16/05/12 10:27 from EzineArticles
For most people, credit scores remain a mystery. Sure, a lot of us know 800 is a great score, 700 is good, and anything below 600 is bad. But what actually determines this number? What are the factors influencing this number which has the p..
» How a Letter of Credit Works
11/05/12 09:24 from EzineArticles
Letters of credit are mainly used for large transactions between customers in one country and suppliers in another. Because of the nature of international trade, the specifics of different transactions, and factors such as national legislat..
» The Right Credit Card
10/05/12 08:26 from EzineArticles
As one of the largest sources of debt brought into bankruptcy, credit cards can be a huge burden for many families. However, there are choices when it comes to credit and finding the right credit for your stage of life can be the difference..
» Credit Card Debt Is Still At Its Peak
10/05/12 07:40 from EzineArticles
Among those who know the interest rates associated with their credit cards, 30% pay an interest rate of about 20% or even more. Others claim to pay 14-15% or more. It's an interesting fact that only 25% of credit card consumers ever tried t..
» Some Considerations Before You Apply to Get a Secured Credit Card
07/05/12 09:52 from EzineArticles
Just before you start searching for the ideal secured credit account, we propose that you consider first the factors we have listed here. We think that in this way, you could boost your chances of ending up that has a line of credit that ma..
» Internet Merchant Services With Quick Set-Up
26/04/12 11:59 from EzineArticles
Part of being good with online marketing and general Internet-related businesses, is knowing how to quickly set things in motion and have your operations running. One of the things that tend to take the most time in setting up a new busines..
» Fiance's Bankruptcy
25/04/12 12:35 from EzineArticles
Justin Harelik wrote an article for Bankrate.com called Make Sure Finace's Bankruptcy won't Affect You. In this article, a person, Linda, had written in asking about her fianc?'s bad credit affecting her once they were married.
» 3 Ways to Improve Your Credit Score
24/04/12 12:44 from EzineArticles
If your credit score is wrecking your financial lifestyle, it's time to fix it. Town Hall events in South Denver include guest speaker Darrell Hornbacher who tells attendees how to fix their credit score and manage their financial world. Hi..
Representative Example fields
Company |
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Name |
Purchase
Rate |
Balance Transfer Rate |
Representative APR / Annual Interest Rate |
Maximum Credit Limit |
Fee/Fee Type |
Card Info |
Card Benefits |
Apply |
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Capital One Classic Credit Card |
34.9% p.a. (variable) |
34.9% p.a. (variable) |
Representative example 34.9% p.a. (variable) on card purchases. Equivalent to 34.9% APR representative (variable) based on a credit limit of £1200 |
From £200 to £1,500 |
No Annual Fee |
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Get control over your finances with our low-limit, easy-to-manage credit card. Great for people who want to build or rebuild their credit rating.
Get More Details |
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Vanquis Credit Card |
39.9% p.a. |
39.9% p.a. |
Purchase annual interest rate 39.94% (variable); Amount of credit £1000; Representative 39.9% APR (variable). |
Easy to manage credit limit between £150 and £3,000 |
No Annual Fee |
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We've already helped over 1 million people like you get the credit they deserve.
Get More Details |
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aqua Credit Card |
32.9% p.a. (variable) |
32.9% p.a. (variable) |
Representative example 32.9% p.a. (variable) on card purchases. Equivalent to 32.9% APR representative (variable) based on a credit limit of £1200 |
A credit limit of up to £2,200 |
No Annual Fee |
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As a specialist lender, whatever your financial situation, at aqua we take a closer look to see if we can give you the credit you need and can afford.
Get More Details |
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Granite® Credit Card |
34.9% p.a. |
34.9% p.a. |
Purchase annual interest rate 34.9% (variable); Amount of credit £1000; Representative 34.9% APR (variable). |
Easy to manage credit limit of up to £500. Further increases possible every 4 months, up to £3,000 |
No Annual Fee |
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The card for people with poor credit. Granite Rewards gives you access to thousands of new and exclusive deals from leading UK retailers. Each reward provides a discount or money off when you order with a participating retailer
Get More Details |
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Aquis Credit Card |
29.8% p.a. |
29.8% p.a. |
Purchase annual interest rate 29.8% (variable); Amount of credit £1000; Representative 29.8% APR (variable). |
Easy to manage credit limit between £250 and £1,000 (subject to status) |
No Annual Fee |
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Managing your money couldn’t be simpler with an Aquis Visa card. You’ll have 24/7 control of your account with Online and SMS Account Management. And if you’re new to credit or have had a few credit issues lately, the Aquis Visa card will help you get back on track.
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Get More Details |
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You don't have to fear credit cards, or credit card companies. There are
companies in the market place that really do want to help you with your credit problems. But you must get involved in your day to day credit decisions. Both Capital One and Vanquis have designed credit cards to help you get your credit history back on track. Both are designed to help you with your credit, both have approval criteria that you need to meet. So review each card and determine which card is right for your unique situatiuon. Remember you have the power to fix your credit. Start today, we can help..... For additional credit help, please visit our Credit Help Page
 
Worrying about your credit problems is not going to solve them. The following Credit Cards are for individuals with Bad Credit or simply put, less than perfect credit. Simply qualifying for a credit card will not help you build, re-build or re-establish your credit. The key to improving your credit rating and subsequent credit history is making on-time payments with all of your creditors and maintaining your account balances well below the credit limits. This is the key to changing your financial future, and fixing your credit history. The following credit cards will help you in your desire for better credit, and help you improve your credit rating.
Capital
One Classic Visa Card - The Capital One Classic card can get your credit back on track by improving your credit rating, and credit history.
No Annual Fee
Up to £2,500 in spending power
Free Identity Theft Service
Register Online for Free Identity Alerts powered by Equifax
Representative example
- £1,200 credit limit
- 34.9% APR Representative variable
- 34.94% p.a. variable on purchases
This is an example only, you may receive a different credit limit Before you apply, check you're eligible.
We're more likely to accept you if:
- You're over 18
- You have some history of managing your credit even if you have had CCJs or defaults in the past
- You are on the electoral roll
We're not likely to accept you if:
- You've never had credit in the UK before
- You have been declared bankrupt in the last 12 months
1 page application - 1 minute response... Apply
Now!
Click
Here for More Details!! - The Capital One Classic Visa is for people who need to, or would like to strengthen their credit rating
Bad Credit Advice
Refused credit? The Credit Card Centre could be the solution to help you get credit
Many people find us after they have been refused credit by other companies. Perhaps you need credit, but because you have a poor credit history or no credit history, or are on a low income, credit cards might seem out of your reach.
You might have heard the term 'sub prime credit' - industry-speak for someone with no credit history or poor credit history; who finds it difficult to obtain credit from mainstream lenders. We see things differently and treat each case on its own merit
How to Improve Your Credit Rating
Before you set out to improve your credit rating, it's important to find out why it is low. If you don't know, ask to see your credit reference file to find out. (See what can you do about a bad credit score to find out how to do this.) Assuming you know why you have a poor credit score, there are a number of simple steps you can take to help improve your credit rating and build credit history:
- Make sure you are on the electoral roll. It only takes a few minutes to register with your local council and it will help to improve your credit score over time
- Pay bills on time. This will begin to improve your credit history and will again give you an improved credit rating over time
- Be careful about the number of times you apply for credit. Every application is logged on your file and too many applications may not help your credit rating
- When applying for credit never give false details, always tell the truth. If there are inconsistencies with past credit applications or details that are held on checking systems differ from your application it will effect your credit score
- Start to build a credit history over time and when you check your credit reference file you should find an improved credit score
- How can you improve credit ratings if you can't get credit?
- Specialist credit cards like our Vanquis Visa Card are specially designed for people with bad credit. Even if you have been turned down by other companies, you may be accepted by us. As long as you manage the card properly, stay within your credit limits and pay promptly, this is a good way to build credit history and to improve your credit rating.
Managing Your Finances to Repair Adverse Credit Score
It’s easy to find yourself with adverse credit, but what can you do about it? Applying for an adverse credit card is one way to build your credit rating (see how to improve your credit rating page) but you should also be thinking about addressing how you got into this situation in the first place.
Tips on how to manage your finances more effectively
For some people, adverse credit starts as a result of a one-off event, like divorce or a health problem which puts strain on personal finances, but for many others, adverse credit is a result of mis-managing personal finances.
Adverse credit is not as uncommon as you may think. The Citizen’s Advice Bureaus deal with over 5,000 people with debt problems everyday; average household debt (excluding mortgages) in the UK is over £8,000 and rising*. Rather than ignoring your situation and living with impaired credit and the complications it can bring, why not take a few simple steps to manage your finances better:
Set yourself sensible financial goals. Where do you want to be in 1 month, 3 months, 1 year and 3 years?
Write down your outgoings - the money you need to get by each month. Include all the essentials like mortgage/rent, council tax and utility bills, food shopping, travel to work.
Look at the money you have coming in; if it’s more than your outgoings, take the remainder and give yourself a budget to include on clothes, going out, paying off credit debts or building savings etc.
If the money coming in is less than your outgoings, think about what you can do to reduce your outgoings
- Why not search online price comparison sites for items you’re looking to buy, in order to get the cheapest price
- Search out the cheapest gas/electricity/water providers as you could make substantial savings throughout the year
- How about turning your heating down a degree or two to reduce your heating bill and at the same time help the environment
- Are there any non essential items that you can cut back on i.e. do you really need that extra pair of shoes?!
Or try increasing the money you have coming in;
- Maybe a new job
- Gain some overtime at work
- Can you turn an interest or hobby into an income earner
- Could you have a car boot sale and raise money from old knick-knack’s that you no longer need or use
If it all seems too difficult - get advice. Your nearest Citizens Advice Bureau will be happy to talk through your financial situation and advise you what you can do about your debts.
What not to do
Whatever you do, don’t ignore demands for money, credit debts, council tax bills or the like. This is the fastest way to end up in an adverse credit situation, which is often avoidable. If you are having trouble paying debts, always talk to the company or entity involved or get independent advice. |
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Capital One Classic Card Details:
- Get back on track by improving your credit rating.
- Up to £2,500 in spending power
- Typical 34.9% APR variable
- Credit limit increase - Manage your account well † and we'll increase your credit limit on your 4th statement.
- Free Identity Theft Service
- Register Online for Free Identity Alerts powered by Equifax
- No annual fee.
Capital One Classic Card Approval Criteria:
- I have had little credit in the past, for example: I have an overdraft but no credit cards
- I have had credit problems in the past, OR
- I have no credit history, for example:
- I have never used credit in the past
- I am a student
- I am new to the country
- Any Income Considered
- At least 18 years of age
Vanquis Visa Card Details:
- No annual fee
- A credit limit assigned at a fixed amount to help you stay in control
- Up to 56 days interest free on purchases
- Free additional cardholder
- Free fraud monitoring - we'll warn you of any suspicious activity on your account
- Chip & PIN technology for added security whenever you use your card
- typical 39.9% APR variable based on a typical credit limit of £250
Vanquis Visa Card Approval Criteria:
- You must have not applied within the past 6 months
- You are 18 years of age or over
- You are a permanently resident in the UK
- You do have a landline phone number
- You are registered on the voters roll
- You do not have an outstanding County Court Judgment against their name or one that has cleared within the past year.
aqua Credit Card Details:
- A MasterCard with no annual fee
- A credit limit of up to £2,200
- No interest will be charged on purchases if every statement balance is paid in full by the payment date
- Manageable monthly payments
- Flexible payment dates
- A friendly 24-hour customer helpline
aqua Credit Card Approval Criteria:
- Your income must below 6k a month
- You must have had in the past a loan or a credit card or a mortgage or a vehicle loan
- The aqua card is not for anyone with more than 20k in debts (not including mortgages)
- and not for people over 100% utilised
Granite Visa Card Details:
- The card for people with poor credit
- Easy to manage credit limit of up to £500
- Further increases possible every 4 months, up to £3,000*
- Thousands of great discounts with Granite rewards
- Representative 34.9% APR (variable)
- No annual fee
- A credit limit assigned at a fixed amount to help you stay in control
- Up to 56 days interest free on purchases
- Free additional cardholder
- Free fraud monitoring to warn you of any suspicious activity on your account
- Chip & PIN technology for added security whenever you use your card
- Visa is widely accepted in the UK & abroad
- Convenient for paying online & over the phone
- A friendly UK Customer Service call centre
Granite Visa Card Approval Criteria:
- Granite will consider your application if you have poor credit history, past credit card problems, previous CCJ's or financial problems
Aquis Visa Card Details:
- You'll start with an easy to manage credit limit up to £1,000
- You could get a credit limit increase on your 4th statement. Conditions apply
- nd further increases every 4 months, up to £3,000. Conditions apply
- We'll help you build a good credit history to improve your credit rating
- SMS and Online Account Managemen
- 24/7 Fraud Watch
- We help people who want to build their credit rating. And have already helped over 1 million people
- We provide a sensible way to stay in control of your money
- Representative 29.8% APR (variable)
Aquis Visa Card Approval Criteria:
- You have not been previously been declined for an Aquis, Vanquis or granite Card within the past 6 months
- You are 18 years of age or over
- You are a permanently resident in the UK
- You are registered on the voters roll
- You do not have an outstanding County Court Judgment against their name or one that has cleared within the past year.
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