| Compare Adverse Credit Credit Cards |
If you have a poor, bad or low credit rating then the below credit cards could be for you. The following can issue you a credit card even if you have past credit problems or history including CCJ's, defaults and arrears or simply do not have a credit rating.
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The Capital One Classic Card
Up to £2500 in spending power
Aged 18 or over
Have a regular income
APR 34.9%
The Capital One Classic Card has been designed for those wishing to restart or build their credit history. Even if you have been turned down elsewhere, had credit problems or are not on the electrol role and APPLY ONLINE and get a 1 minute response.
The Vanquis Credit Card
Up to £1000 in spending power
Aged 18 or over
Have a regular income
APR 39.9%
If you have a history of bad credit, a credit card could seem beyond your reach. In today’s world a credit card is often the most convenient and secure way of buying; allowing you to buy online, over the phone and spread the cost of everyday purchases. Our Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt.
The Aqua Credit Card
Up to £2200 in spending power
Aged 18 or over
Have a regular income
APR 35.9%
We know there are many reasons why you might have trouble getting credit from other companies. You might be self employed, not on the electoral roll, on a low income or have previous bad credit including County Court Judgments (CCJs). Find out now why aqua might be the right card for you.
The Provident Loan and Prepaid Card
Up to £300 in spending power
Aged 18 or over
Have a regular income
The New Provident Visa Debit Card. Provident offer loans up to £500 paid direct on to your own Visa Debit card so you can spend the funds as you wish at shops, atm's, over the phone or the Internet. No credit checks are needed for this card and loan.
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About Credit Cards To Rebuild Your Credit
What are they?
A product developed specifically for clients wishing to re-build or re-start their credit history - adverse credit cards offer many a second chance at financial recovery. Ideal if you’ve recently recovered from a period of financial difficulty or have been declined by a ‘prime’ card provider.
An adverse credit card does not differ hugely from its ‘prime credit card’ sister. The application process is much the same, subject to status. The advantage being that the adverse credit card provider acknowledges that the applicant has probably experienced some financial difficulties in the past, so makes some provision for this when making a decision on whether to accept the application. With no discernable difference in appearance to their ‘prime’ counterparts, adverse credit cards have no visual or perceived stigma attached and offer the same freedom of choice where client spending is concerned - internet, telephone and over the counter usage are all permitted.
Pros
Adverse credit cards provide an excellent opportunity to re-establish a client’s credit status. Credit limits are set at an affordable amount so that budgeting is established and over spending discouraged. This helps a client not to overstretch themselves, thus encouraging a more balanced approach to credit facilities. Over a period of time, the cost of borrowing, the APR, can be re-considered and reduced. Credit limits may be raised after prolonged acceptable useage.
Cons
The cost of borrowing on credit cards, especially adverse credit cards, can be extremely high. If a client has not budgeted correctly, they may find themselves in a situation where their repayments become too costly. Without disciplined use, an adverse credit card may result in accumulated debt that is not met.
 EDITOR'S CHOICES
Four Credit Cards Designed For Bad or No Credit
No Credit Check Loans Up To £1000 Paid Today
Guaranteed Award Winning Prepaid MasterCards
The Vanquis Credit Card
This card has been designed for clients with a bad or no credit history. Over 300,000 People have enjoyed the benefits of this card and are building their credit history.
Cashplus GOLD MasterCard
100% Guaranteed acceptance. Use the card online, over the phone at ATM;s. Online management account and load funds on to the card for free.
My Payday Now
Need up tp £1000 with no credit checks. Funds can be in your account the same day. If you have a debit card then apply today.
Provident Financial Loan
No credit checks. Loans up to £500 paid onto your own visa debit card or in cash. Loans can be repaid over a period of time.
The Capital One Classic Card
This card is ideal if you have had credit problems. Limits up to £2000 instant online decision. This is the most popular solution for getting your foot on the credit ladder.
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