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UK Credit Cards For People with CCJs
County Court Judgements (CCJ)
A CCJ is an adverse ruling by a County Court against an individual who has not satisfied their credit agreements and who has not made the necessary debt repayments to their creditors.
Once the ruling has taken place it will be recorded against the person's credit history and will appear on every credit search for the next seven years. This may affect the quality and the quantity of the credit
card facilities available to the individual, as they are likely to be classed as a higher risk proposition.
Credit Cards For People With CCJs
| 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% |
|
|
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
|
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 aqua
|
-
|
35.9% |
35.9% |
|
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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
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 Vanquis Visa
|
-
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39.9% |
39.9% |
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Suitable for people new to credit or people with poor credit record
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Representative Example
Purchase annual interest rate 39.94% (variable)
Amount of credit £1,000
Representative 39.9% APR (variable)
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