Credit Cards For People with Bad Credit History

Poor credit rating
CCJ (s)
Adverse credit history
Disharged bankrupt
Refused elsewhere
Rebuild credit history

Credit cards have become an essential part of most people's lives. It is hard to book a holiday, buy goods over the internet, or tickets to the theatre and sporting events without one. They also can offer you extra protection when things go wrong if you have spent more than £100 in a transaction. But if you have been in financial trouble at some stage and have arrears, a County Court Judgment (CCJ) or bankruptcy you may find it very hard to get a credit card. 

One in four of the adult population in the UK has some form of poor credit history. So how can they go about repairing their credit history? Many find themselves in a chicken and egg situation. They have sorted out their finances but still can't get a credit card because of their poor financial record in the past. But because they can't get a credit card they cannot build up any new "clean" credit history. 

Getting a credit card and rebuilding your credit rating

Fortunately there are some credit card issuers that offer you a chance to rebuild your credit rating whilst enjoying the convenience of using a credit card at sensible rates of interest. 

Capital One invite applications from people with a bad credit rating or individuals who have been refused elsewhere.