The UK's Top Cards for people with Poor Credit

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aqua Classic
aqua Classic Image
  • Credit limit of up to £1,200
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • Could accept people with limited or no credit history
Representative APR (variable)

29.70 %

What's Good

  • Text reminders to pay your bill
  • Free access to your credit file, worth up to £80 a year
  • Get a response in 60 seconds

What's Bad

  • Some customers may be offered a card with a higher APR

Top Features for aqua Classic

  • Credit limit of up to £1,200
  • Will not accept applicants with CCJs in the last 18 months
  • Free access to your credit file worth up to £80 a year
  • Could accept people with limited or no credit history
  • APR can be between 29.7% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 29.70 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 29.70 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 39.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.95 %
Aquis Visa Card
Aquis Visa Card Image
  • Initial credit limit up to £1,000
  • Credit limits can increase every 4 months up to £3,000
  • APR can be between 29.8% and 59.9%
Representative APR (variable)

29.80 %

What's Good

  • One of the lowest APRs for people with lower credit ratings

What's Bad

  • Some customers may be offered a card with a higher APR
  • Not available to existing Vanquis customers or people who have been rejected in the last 6 months

Top Features for Aquis Visa Card

  • Initial credit limit up to £1,000
  • Credit limits can increase every 4 months up to £3,000 subject to terms and conditions
  • APR can be between 29.8% and 59.9%
  • Credit is provided by Vanquis Bank Limited

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a UK resident
  • Not be bankrupt
  • Not have a credit card issued by Vanquis Bank
  • Not have been declined for an Aquis, Vanquis or Granite card in the past six months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers n/a
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 29.80 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 39.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Capital One Classic Platinum
Capital One Classic Platinum Image
  • Credit limit of up to £1,500
  • Designed to help you build your credit history
  • One interest rate for all transactions
Representative APR (variable)

29.80 %

What's Good

  • Credit limit can range from £200 to £1,500
  • Designed to help you improve your credit score, with email alerts to help you stay in control
  • Lower rate of 29.8%APR compared to other credit builder cards, but pay off in full each month to avoid paying interest

What's Bad

  • You must have had credit in the UK before to be eligible for this card

Top Features for Capital One Classic Platinum

  • Credit limits of £200 to £1,500
  • Designed for people with poor credit ratings and CCJs
  • Get a response to your application in 60 seconds

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 29.80 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 29.80 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 29.80 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
Barclaycard Initial
Barclaycard Initial Image
  • For people with lower credit ratings or new to credit
  • Pay 0% interest on purchases for 3 months
  • Contactless technology for transactions under £20
Representative APR (variable)

34.90 %

What's Good

  • Designed for people with little or no experience of managing credit
  • Excellent online account management functionality
  • Pay no interest on any new spending for 3 months

What's Bad

  • Offer not available to existing Barclaycard customers
  • No online application for people who've been in the UK for less than two years

Top Features for Barclaycard Initial

  • For people with lower credit ratings or no credit history in the UK
  • 0% on new purchases for 3 months
  • Contactless technology for transactions under £20
  • Customers who have got CCJs over 12 months ago could be considered
  • No online application for people who've been in the UK for less than two years

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a resident in the UK
  • Have no more than one CCJ registered against you
  • Not already have a Barclaycard credit card
  • Have lived at your current address for at least three months
  • Not have recently missed a bill payment
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending 3 months
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 34.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 2.99 %
    Minimum Age18 years
    Minimum Income£3,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Capital One Classic Extra
Capital One Classic Extra Image
  • 0.5% cashback on all purchases
  • Earn a £10 annual bonus for paying on time each month
Representative APR (variable)

34.90 %

What's Good

  • 0.5% cashback on all purchases
  • Earn a £10 annual reward if you repay your balance on time each month
  • No fees on foreign purchases

What's Bad

  • Standard rate of 34.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Maximum credit limit £1,500

Top Features for Capital One Classic Extra

  • 0.5% cashback on all purchases
  • 34.94% APR applies to purchases, cash withdrawals and balance transfers
  • Maximum credit limit £1,500

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.94 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.94 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 34.94 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee n/a
aqua Advance
aqua Advance Image
  • Could reduce interest rates to 19.9% in 3 years
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • Credit limit of up to £1,200
Representative APR (variable)

34.90 %

What's Good

  • Use the card correctly and your APR will decrease
  • Free access to your credit file, worth up to £80 a year
  • 0% fees for overseas spending
  • Get a response in 60 seconds

What's Bad

  • Some customers may be offered a card with a higher APR

Top Features for aqua Advance

  • Could reduce interest rates to 19.9% in 3 years
  • No fees for overseas usage
  • Credit limit of up to £1,200
  • Could accept people with limited or no credit history
  • APR can be between 34.9% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.92 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.92 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 34.92 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee n/a
aqua Reward
aqua Reward Image
  • Get 0.5% cashback on all purchases
  • No fees for overseas usage
  • Credit limit of up to £1,200
Representative APR (variable)

34.90 %

What's Good

  • No fees on overseas spending & competitive exchange rates
  • Free access to your credit file, worth up to £80 a year
  • 0.5% cashback on all spending

What's Bad

  • Standard purchase rate of 34.9%APR
  • Some customers may be offered a card with a higher APR

Top Features for aqua Reward

  • Get 0.5% cashback on all purchases
  • No fees for overseas usage
  • Credit limit of up to £1,200
  • Could accept people with limited or no credit history
  • APR can be between 34.9% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.92 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.92 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 39.95 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee n/a
Capital One Classic
Capital One Classic Image
  • One of the leading cards for people with poor credit ratings
  • Credit limits up to £1,500
  • Designed for people with weaker credit scores who have been rejected elsewhere
Representative APR (variable)

34.90 %

What's Good

  • Free identify theft protection
  • One of the highest initial credit limits on the market (subject to status)

What's Bad

  • Not designed for people who've never had credit before

Top Features for Capital One Classic

  • Credit limits up to £1,500
  • Designed for people with poor credit ratings including those with past CCJs
  • Get a response to your application in 60 seconds

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.94 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.94 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 34.94 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
granite Credit Card
granite Credit Card Image
  • For people with a poor credit rating, including those with past CCJs
  • Initial credit limits up to £1,000
  • Credit limits can increase every 4 months up to a maximum of £3,000
Representative APR (variable)

34.90 %

What's Good

  • Pre-screen service will find cards more likely to accept you if you look unlikely to be accepted for the card

What's Bad

  • Not available to existing Vanquis customers or people who have been rejected recently

Top Features for granite Credit Card

  • For people with a poor credit rating, including those with past CCJs
  • Initial credit limits up to £1,000
  • Credit limits can increase every 4 months up to a maximum of £3,000 subject to terms and conditions
  • Pre screen service to improve your chances of being accepted
  • Credit is provided by Vanquis Bank Limited

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a UK resident
  • Not be bankrupt
  • Not have a credit card issued by Vanquis Bank
  • Not have been declined for an Aquis, Vanquis or Granite card in the past six months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers n/a
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers n/a
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 44.95 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Luma
Luma Image
  • Credit limits of up to £1,500
  • Get a response in 60 seconds
  • Pay no interest on purchases for 3 months
Representative APR (variable)

35.90 %

What's Good

  • Get a credit limit of up to £1,500
  • Get a response in 60 seconds
  • Get rewards at a number of high-street retailers
  • Pay no interest on purchases for 3 months

What's Bad

  • High APR of 35.9%

Top Features for Luma

  • One of the highest credit limits available for users with poor credit
  • Get a response in 60 seconds
  • Get rewards at a number of high-street retailers
  • Automated fraud alerts and free identity theft support
  • 0% on purchases for 3 months

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
  • Not already have a Luma card
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending 3 months
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 35.94 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 35.94 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 35.94 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %

In Brief

Poor credit credit cards are designed to help you if you have a bad, or non-existent, credit record. These cards accept people who would be rejected for a mainstream credit card. They are an excellent way of building up a good credit record if you get one, use it sensibly, and pay your balance off in full each month. However, they have very high interest rates – 29%APR – 35%APR typically – so NEVER spend more than you can afford to pay back.


Stop the Cycle of Credit Card Rejection Today

If you’ve applied and been rejected for a credit card, read this before applying again.

Blindly reapplying for other cards can make the problem even worse as failed applications can damage your credit rating, making it even harder to obtain credit creating a vicious circle of rejection.

So, stop and assess why you’ve been turned down and then find the card most likely to accept you. Every card company has their own criteria for lending, so if one rejected you that doesn’t mean they all will.

Before you apply again, find out which cards match your profile using our advanced credit matching technology;, this clever service will tell you which credit cards you are most likely to be accepted for, without leaving a footprint on your credit record – so using it won’t affect your credit rating.

Don’t assume you’ll only get a “bad credit” card, you may be pleasantly surprised. But whatever result you get, use your new credit card to improve your credit rating.


How Does Our Advanced Credit Matching Technology; Improve my Chances of Being Accepted?

Money Match® Results and Scores

Every lender has different acceptance criteria, so it’s hard to know which card to apply for. Enter a few details and our advanced credit matching technology shows you the cards you’re more likely to be approved for – and those that might reject you.

Acceptance still isn’t guaranteed, but by applying for cards that our advanced credit matching technology; recommends, you are over 250% more likely to be accepted than people not using the tool. Being rejected is not only a waste of time, it can damage your credit rating, so simply by using our advanced credit matching technology you are taking a step towards a better credit rating.


What is a “Bad Credit” Credit Card?

Bad credit credit cards are designed for people who have had credit problems in the past or have little history of borrowing at all. If you fall into either category you represent an above-average risk to the lender, so you pay for that risk with higher interest rates and fewer special offers. As these cards are expensive, with the exception of strict use of the odd 0% introductory offer, they’re not great for new borrowing. But, if used sensibly – that means paying the balance off in full each month - they can help you build up a good credit score.

You’re likely to fall into the poor credit category if you have...

  • A limited or nonexistent credit history
  • Past issues like repeated missed payments
  • Prior County Court Judgements
  • Been declined by several other credit card providers

What are Bad Credit Credit Cards Good For?

  • They’re a great way to build or rebuild your credit rating
  • In some circumstances they can be a cheaper alternative to other forms of borrowing, such as pay-day loans or unauthorised overdrafts
  • Some poor credit cards feature 0% introductory rates and can be used carefully for low-cost, short-term borrowing
  • Many bad credit cards come with useful free purchase protection insurance and all come with Section 75 benefits

How to Improve Your Credit Score

Using a credit card the right way is one of the best means of improving your credit score and, over time, gaining access to better rates and products. Here’s how:

  • Repay your balance in full every month. Setting up a direct debit is a fool-proof way to make sure that happens
  • Stay within your credit limit
  • Use the card. An unused card sitting in a drawer won’t help your credit score, you need to flex the plastic, even if it is only to spend a few pounds each month
  • Miss your monthly payments
  • Accumulate debt you can’t afford to pay off in full. Bad credit credit cards tend to have high APRs so it will work out as expensive, and could lead to you missing a payment and further damaging your credit score

Alternative Products

If our advanced credit matching technology suggests you don’t qualify for any bad credit credit cards, don’t despair. There are some alternatives which our advanced credit matching technology will automatically suggest:

  • Pre-paid cards

    Pre-paid cards offer some of the benefits of credit cards including, in some cases, the ability to build your credit rating. But you can never spend money you can’t afford as these cards have to be pre-loaded with cash. The drawback to them is that their fees can be expensive.

  • Secured cards

    A secured card works like a normal credit card except that, if your application is accepted, you have to put down a security deposit before you receive your card. These cards are a last resort for anyone who can’t get a normal credit card. They do offer some of the benefits of a standard card including building credit history and access to some credit. When you close the account, provided you haven’t missed any payments and there is no outstanding balance, you should get your deposit back in full.

    These cards are about building your credit rating. You need to show that you can play by the rules in order for this ‘good behaviour’ to end up on your credit file – you may even be offered an upgrade to a normal credit card.

  • Pay-day loans

    Occasionally, for very short term borrowing, a pay-day loan can be an alternative if you haven’t already got a credit card – they’re expensive, even in the short term, and only compare favourably to unauthorised borrowing on an overdraft.


Frequently Asked Questions

How We Rank Cards

We only grade credit cards by their merits. They’re ranked independently of whether we’re paid by the lender to promote them. If you use our advanced credit matching technology your results table will simply be ordered by your likelihood of acceptance and we’ll only show cards you have a good chance of getting (5 out of 10 or better).

Otherwise cards are ranked by the most appropriate variable – the length of the 0% period in balance transfer or purchase cards for example. In the case of bad credit credit cards we take account of features (0% introductory offers or rewards), average acceptance rate and APR, since our experience shows that’s the priority order of our typical user.

If I’m declined will it damage my credit rating?

Applying and being declined for a credit card could damage your credit rating, but applying and being accepted could save you a lot of money on the cost of borrowing.

Our advanced credit matching technology will check to see which cards you’re likely to qualify for before you apply which means you’ll see your likelihood of acceptance without damaging your credit rating. Even if you’re not likely to qualify for a top 0% balance transfer card, our advanced credit matching technology; will be able to identify the cards most suited to you and most likely to accept your application.

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