UK Credit Cards For People with Poor Credit Rating

One in four of the adult population in the UK has had some form of poor credit history.

If you have been in financial trouble at some stage and have arrears, a County Court Judgment (CCJ) or bankruptcy you may find it difficult to get a credit card.

When you apply for a credit card your creditworthiness is usually checked. The card issuer will use one of the two major credit reference agencies, Experian and Equifax. If you have a poor credit history you are likely to be assigned a poor credit rating and may be refused a credit card by some providers.

However there are some credit card providers who offer cards to people who have a poor credit history and who may have been refused a card in the past.

The interest rates for people with a poor credit history are higher than the headline interest rates as providers regard people with a poor credit history as a greater risk. However if you pay the monthly payments on time, this will help you rebuild or strengthen your credit rating and in time you'll be able to apply for cards with lower rates of interest.

Poor Credit History Credit Cards

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)