So you’ve been unlucky in life, haven’t we all, and there is no way that a major credit card company will risk taking you on; right? Well it’s a familiar problem, but not one that can’t be solved, or alleviated at least…
You can get a credit card, even if you’ve had CCJ’s and other nasty things happening to you. The main difference of course will be the interest rate on these things. This is primarily to prevent you spending too much again and getting yourself into heavy debt. You maximum spending limits will be substantially lower and the payments will be made frequently without fail.
Capital one for example will offer you a credit card, and these are quite big players in the credit card business. You will typically have to meet certain requirements but it won’t be too severe and they often judge each application on an individual basis. You will need to be 18 or over, be a none bankrupt, be on the electoral roll, have a bank or building society account, and have at least some income; after all, who is going to give you a credit card if you have no income at all.
These cards are designed to give you the opportunity to rebuild your credit rating, and hopefully if they are used correctly they can help enormously. But again, as with anything on this website, it’s important to compare credit cards first.
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