CREDIT CARDS FOR BAD CREDIT RATING
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Are you struggling to get credit or looking to rebuild your credit history? There are a range of Poor Credit Rating Credit Cards available, even if you've had problems getting credit due to a poor credit history, bad credit rating, non existent credit history, CCJs or bankruptcy. Some issuers have flexible assessment processes and will consider all credit cards for bad credit applications fairly, regardless of previous credit history.
The table below compares leading providers of credit cards for bad credit. With clear points on advantages and disadvantages, and information on typical representative APR, credit limits, ability to 'rebuild' your credit rating and other costs, rates and fees; it's a straight forward way to see exactly which bad credit credit cards are right for you.
REMEMBER: If you need a card but have very poor credit, you should also consider a Prepaid Card. More Information >>
CARD NAME  | ISSUER | REPRESENTATIVE APR | CREDIT LIMIT | REBUILD CREDIT | APPLY |
Rise Credit Card |  | 303% Example Representative ExampleIf you spent £300 on a purchase transaction at the start of your agreement, incurred monthly charges over 12 months of £330 and made repayments by 12 equal instalments, your APR would be 303% representative (variable). | £300.00 | No |  |
| The Rise Credit Card charges you a single monthly fee of £10 per £100 borrowed or part thereof, there is no interest or default charges on the account. There is also a cash advance feature which will enable you to apply for a cash advance of up to £250 to be deposited quickly and directly into your bank account.
DETAIL INFORMATION >> | |||||
aqua Credit Card |  | 35.9% Example Representative ExampleAssumed borrowing of £2,200; Representative 39.9% APR (variable); Standard interest rate for purchases: 35.9% p.a. (variable) | £2,200.00 | Yes | |
| With the aqua Card, one of the most popular 'credit cards for bad credit' no interest will be charged on purchases if every statement balance is paid in full by the payment date. There is no annual fee with this card and you have a sensible credit limit of up to £2,200. In addition there is a friendly 24-hour customer helpline and an attractive MasterCard acceptance in 24 million places and 600,000 cash points around the world. DETAIL INFORMATION >> | |||||
Capital One Classic | | 34.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 34.9% APR (variable); Standard interest rate for purchases: 34.94% p.a. (variable) | £2,500.00 | Yes | |
| Capital One's card for those who have a weak credit rating, credit problems or no credit history. One of the 'credit cards for bad credit' that students and new migrants to the UK are also eligible for. This card will help you rebuild your credit. A number of choices of modernist designs. Up to £2,500 in spending power, though depending on your credit rating you will probably start lower. As long as you keep up with repayments, your limit will be increased. DETAIL INFORMATION >> | |||||
Vanquis Credit Card | | 39.9% Example Representative ExampleAssumed borrowing of £1,000; Representative 39.9% APR (variable); Standard interest rate for purchases: 39.94% p.a. (variable) | £1,000.00 | No | |
| The Vanquis Visa Card is designed for people with no credit history in the UK or who have previously had bad debt or have bad credit rating. Terms and conditions apply. DETAIL INFORMATION >> | |||||
NEWS / CHARTS
 Fear Of UK Recession Eases As Service Sector Grows03 February 2012 - Which Way to Pay Niesr Report released today says that recession is inevitable but it's not all doom and gloom Read More >> |  To Payday Loan or Not To Payday Loan – That Is The Question02 February 2012 - Which Way to Pay With millions of Britons expcected to take out payday loans this year why are so many people turning to these high interest loans despite the bad press? Read More >> |  UK House Prices Fall But Manufacturing Rebounds01 February 2012 - Which Way to Pay According to data from Nationwide Building Society, UK house prices unfortunately fell for the second straight month in January but on a positive note the UK’s manufacturing sector enjoyed a better than expected start to 2012. Read More >> |
