Bad Credit Credit Cards UK

By | October 10, 2015

Do you have to work on improving your credit history? You can do that even with the use of Bad Credit Credit Cards UK or any other bad credit credit card.

Are you someone with a less than perfect credit history? Or someone who has a real bad credit. If you think it is not possible to repair them you will be surprised. For people in this situation is common to think that there is no way they can ever get a credit card again.

In truth, however, there are many options our there for someone with bad credit score. You can find that even with your past credit mistakes and having bad credit credit cards UK, you can still get credit. Of course, having a little less perfect credit history means that you have less options. On the other hand, you just have to look for them.

Bad Credit Credit Cards UK Options

When you apply on those lenders who offer no transfer or balance that you see advertised, chances are you will not get accepted with a bad credit credit cards UK. That is because these offers are most often available only to those who have ideal credit card history. But since yours is a bad credit credit card, you will have to settle for other options other than that.

Unsecured Credit Cards
You are going to have to dig a little deeper and look for suited option to your situation. Typically, the first option is to get an unsecured credit card which is pretty much a line of credit, so to speak. When it comes to unsecured credit card, you can expect there will be an application fee, annual fee and more than likely, yours will have higher interest rate.

Prepaid Credit Cards
Another option for someone with a very bad credit credit cards would be the use of prepaid credit cards. Prepaid credit cards work about the same as gift cards and are pretty convenient in some ways. Compared to unsecured credit cards, they do not have as much fees and in a way can help in improving your credit history.

Bad Credit Credit Cards UK

When you sucessfully improved your credit card history, then you will have more options for credit cards. On that note, you have to work on improving your credit history and you can do that even with the use of credit cards for bad credit.

Bad Credit Credit Card Application

Bad credit credit card application can be easily done with just a couple of clicks. Back then, it was real difficult for someone to get a credit card with bad credit. Typically, you will have to personally visit the bank or the credit card company, but then more often than not, your application will be turned down because of your less than desirable credit history.

But these days, bad credit credit application is much easier since people are more understanding and the process is typically made online. All that you need is to check up some specific, necessary requirements such as the terms of the contract. Having bad credit, it is likely that you will pay a little bit higher interest rates than those with good credit. But you can always look for an option that suits your needs best.

Compare The UK’s Top Cards for People with Poor Credit

Marbles Classic
One of the lower APRs for people with lower credit ratings
Credit limit of up to £1,200
Could accept people with limited or no credit history
Max Credit Limit £1,200
Representative APR (variable) 29.7 % APR

Aquis Visa Card
One of the lowest APRs for people with lower credit ratings
Your Credit Limit could be increased up to £3,500 when you stay within your Credit Limit and make your payments on time*^
APR can be between 29.8% APR and 59.9% APR
Max Credit Limit £1,000
Representative APR (variable) 29.8 % APR

Capital One Classic Platinum
Credit limit of up to £1,500
Designed to help you build your credit history
One interest rate for all transactions
Max Credit Limit £1,500
Representative APR (variable) 29.8 % APR

aqua 0% on Purchases
0% on purchase for 4 months – the longest 0% purchase offer for people with poor credit
Credit limit of up to £1,200
Could accept people with limited or no credit history
Max Credit Limit £1,200
Representative APR (variable) 34.9 % APR

aqua Advance
Could reduce interest rates to 19.9% in 3 years
Unlimited access to your credit report with aqua Credit Checker
Credit limit of up to £1,200
Max Credit Limit £1,200
Representative APR (variable) 34.9 % APR

aqua Reward
Get 0.5% cashback on all purchases
No fees for overseas usage
Credit limit of up to £1,200
Max Credit Limit £1,200
Representative APR (variable) 34.9 % APR

Barclaycard Initial with 3 month purchase offer
Looking for your first card or have a limited credit history?
34.9% APR Representative (variable) – APR may be reduced after 12 months if you pay on time and stay within your credit limit.
A credit limit between £150 and £1200, and a three month offer on purchases. £20 cashback after 3 months (terms and conditions apply)
Max Credit Limit £1,200
Representative APR (variable) 34.9 % APR

Capital One Balance Card
0% on balance transfers for six months
Could accept people with a history of CCJs or lower credit scores
Credit limits up to £1,500
Max Credit Limit £1,500
Representative APR (variable) 34.9 % APR

Capital One Classic
Specifically designed for people with bad credit
Credit limits up to £1,500
Get a response to your application in 60 seconds
Max Credit Limit £1,500
Representative APR (variable) 34.9 % APR

granite Credit Card
For people with a poor credit rating, including those with past CCJs
Initial credit limits up to £1,000
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500
Max Credit Limit £1,000
Representative APR (variable) 34.9 % APR

Luma
Credit limits of up to £1,500
Get a response in 60 seconds
Specifically designed for people with bad credit
Max Credit Limit £1,500
Representative APR (variable) 35.9 % APR

Luma Purchase
Pay 0% interest on purchases for 3 months
Credit limits of up to £1,500
Specifically designed for people with bad credit
Max Credit Limit £1,500
Representative APR (variable) 35.9 % APR

NEO Credit Card by Vanquis Bank
Credit limits of between £150 and £1,000
You could increase your credit limit after your 5th statement and increase it further every five months, up to a maximum of £3,500
Online and SMS Account management
Max Credit Limit £1,000
Representative APR (variable) 39.9 % APR

Hope you will find the best bad credit credit cards UK for you amongst these cards above. You can apply for each of those cards here and see even more details.

Related: Reclaim Bad Credit Credit Cards Unsecured