Credit cards for bad credit

This topic contains 4 replies, has 3 voices, and was last updated by Profile photo of ochillegacy ochillegacy 1 month ago.

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  • #131233
    Profile photo of bringsession bringsession 
    Participant

    Plus find out how to avoid the rejection spiral, and improve your credit history. For extra help on specific issues, see the Low Credit Card Limit and Cancel Unused Credit Cards guides. If you don’t have a poor credit history, check out our other Credit Card guides.

    #131234
    Profile photo of ochillegacy ochillegacy 
    Participant

    Before you get one of these bad credit credit cards, there are a few things you need to know. Get this wrong and it can cost you large, so please read the following (even if you only have time to read and remember the headlines, it should help protect your pocket).

    #131235
    Profile photo of placesboiler placesboiler 
    Participant

    We all like to be rewarded for good behaviour – and here’s a card that does just that. Although the Aqua* Advance card starts by giving you a hideous 34.9% rep APR, it does give you a chance to lower it after a year. All you need to do is pay on time, and not bust your credit limit. But you should be trying to pay in full every month, so what interest rate you get shouldn’t really matter.

    #131236
    Profile photo of bringsession bringsession 
    Participant

    Plus, you’ll get a £20 Amazon voucher after two months, emailed to you within your third statement month, as long as you’ve used the card, paid on time and stayed within your limit. Helpfully, our eligibility calculator can tell you if you’re pre-approved for this card.

    #131237
    Profile photo of ochillegacy ochillegacy 
    Participant

    As it only pays cashback as a percentage of your spending, as a rule of thumb, if you think your annual spend on the card will be less than £4,000, you may be better off with one of the cards above. Our eligibility calculator can tell you if you’re pre-approved for this card.

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