Bad Credit Credit Cards
If you have a good credit rating, then you'll be able to choose from the full range of best buy credit cards, and take advantage of features such as cash back, balance transfers, and rewards.
If your credit rating isn't so good, your choice is more limited. You may be able to get one of the higher rate cards which have less stringent acceptance criteria, or even be offered a card with a higher APR than that shown in the advertisments. In extreme cases, you might have to settle for a secured credit card which you need to load with funds before you can use it.
There is, however, a middle ground of cards specifically aimed at people with a poor credit history, or those new to finance who have nothing on their credit file at all. These cards have little in the way of features, and have interest rates way above those found elsewhere. While they aren't a good choice for long term borrowing, they make an ideal way of re-establishing your credit rating by building up positive data on your credit file through responsible use.
Capital One Classic
The Capital One Classic Card has an extremely high approval rate and a credit limit of up to £1,500, albeit with a high interest rate of 34.9% typical APR. A good choice for those wishing to rebuild a poor credit rating. Visit Capital One >>>
Barclaycard Initial
Although marketed as a first card for people new to credit, the Initial Card from Barclaycard is also suitable for people with poor credit ratings. Credit limits of up to £2000, subject to status, are on offer, while the high rate of 29.9% representative APR (typical) isn't in reality much higher than that offered by some general purpose cards on the market, especially for credit impaired customers. Visit Barclaycard >>>
Vanquis Visa
Vanquis have already helped millions of people with poor credit scores, and their Visa card has a high acceptance rate - but at a high rate of 39.9% APR representative. Worth looking at if you need a card for convenience and can cope with high interest rates, but the Capital One card above is better value. Click here for more information
E Platinum Plus Card
Another option is the E Platinum Plus card which has guaranteed approval for a card offering a lifetime 0% APR on purchases of a wide range of goods, from games consoles to laptops, coffee makers to LCD TVs. No credit checks, and a £5,000 credit line! Click here for more information
Credit Cards Instantly
Credit Cards Instantly are a credit matching service which aims to find you the best deal. A simple short form will get you started, and bad credit is NO PROBLEM! Click here to get started!
