Credit Cards For Bad Credit UK - People With Bad Credit Rating & Poor Credit History

Credit Cards For People with Bad Credit Rating

Click here to compare the current bad credit deals

No one has an automatic right to credit and whenever you apply for a credit card you will be scored by a credit reference agency.

If you have a bad credit history such as CCJs, defaults, missed payments or bankruptcy, you are likely to encounter problems getting accepted for cards which offer the most competitive deals.

However, all is not lost as certain card issuers invite people to apply even if they have a poor credit rating.

The cards you may be able to get will probably be more expensive in terms of interest rate than the regularly advertised ones. However if you make regular repayments with your new card, your credit rating will improve and in time and you'll be able to climb back up the credit ladder and get a better deal.

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Capital One Classic Capital One, Trent House, Station Street, Nottingham, NG2 3HX	34.9% (Fee: 3%)	34.9%	34.9%	Details / Apply
	More tolerant of individuals with poor credit history
	Representative Example 34.9% APR representative variable 34.94% p.a.variable on purchase £1,200 credit limit

aqua	-	35.9%	35.9%	Details / Apply
	Suitable for self-employed applicants or individuals with a poor credit history
	Representative Example Your interest rate for purchases is 35.95% p.a with a representative 35.9% APR if you borrowed £1,200 and repaid it over 12 months

Vanquis Visa	-	39.9%	39.9%	Details / Apply
	Suitable for people new to credit or people with poor credit record
	Representative Example Purchase annual interest rate 39.94% (variable) Amount of credit £1,000 Representative 39.9% APR (variable)