Poor Credit
History Cards

If you are having trouble getting credit due to a bad credit history, a bad credit credit card will help to rebuild your credit score, while offering access to credit. Apply online and start improving your credit rating today.

Compare Credit Card Features

Credit Cards

Editors Choice - Capital One Classic Card

Help rebuild your credit rating with this card! Applicants accepted with recent CCJ's and Default payments...

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Poor Credit History Cards

Capital One Classic

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Advice

Credit limits start low but will rise after first 4 on-time and in-full minimum payments. Subject to status each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 34.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 34.9% p.a.
Standard Features
Credit Limit: £100 - £1500
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have some history of managing your credit even if you have had CCJs or defaults in the past
  • You're on the electoral roll
  • You have not been declared bankrupt in the last 12 months
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • Any Income Considered

Vanquis Visa Card

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Advice

Credit limits start
quite low around
£1000 but
will rise after credit
has been handled
responsibly.
Subject to status
each application is
judged individually

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 39.94% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: N/A
Cash Advance: 39.94% p.a.
Standard Features
Credit Limit: up to £1000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are possibly new to credit or have had a Poor Credit History
  • You ARE need to be permanent resident/citizen of the UK
  • You DO NOT need a bank or building society account
  • Any Income Considered

Aqua

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Advice

Credit Limits up to £2,200 (Subject to status).
Each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 35.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 35.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 35.9% p.a.
Standard Features
Credit Limit: £2,200
Interest Free Days: Up to 51 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have had a Poor Credit History possibly with recent CCJ's, or new to credit
  • You are a resident/citizen of the UK or have recently moved
  • You have a bank or building society account
  • Any Income Considered

Virgin Pay Monthly Mastercard

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Advice

Used as an alternative to credit cards. Simply top up card with cash and spend. Can be used to buy online if you do not have a credit/debit card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: N/A
Annual Rates
Balance Transfers: N/A
Cash Advance: N/A
Standard Features
Credit Limit: N/A
Interest Free Days: N/A
On-Line Banking: Yes
Approval Criteria
  • 100% guaranteed acceptance
  • No bank account needed
  • Available for your family aged 13 and over

Credit Card Benefits

  • The card costs £9.95 to buy
  • There is a flat monthly fee of £4.75
  • Free to top up - This can be done at with cash any Post Office or Online Using a Debit Card.
  • No transaction fee for purchases in the UK.
  • A fee of £1.50 isn charged for each cash withdrawal in the UK

Card One Banking Guaranteed Bank Account

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Features

Interest Rate:
0% AER
Minimum Balance:
£0
Monthly Fee:
£12.50 p.m.

Account Description

  • CardOneBanking offers the following:
  • Guaranteed Acceptance
  • Sortcode & Account Number
  • Have your salary deposited into this account
  • Pay money in at any Post Office or high street branch
  • Prepaid MasterCard card
  • Create Standing Orders but you can not set up Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • NO OPENING FEE
  • NO OVERDRAFT FACILITY – No risk of going overdrawn
  • NO EXTRA CHARGES – No charges for bounced standing orders
  • NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
  • YOU must be 18+ and UK resident
  • £12.50 monthly management fee

Think Money Guaranteed Bank Account

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Features

Interest Rate:
0% AER
Minimum Balance:
£0
Monthly Fee:
£14.50 p.m.

Account Description

  • Think Banking offers the following:
  • Guaranteed Acceptance
  • Sortcode & Account Number
  • Have your salary deposited into this account
  • Pay money in at any Post Office or high street branch
  • Prepaid MasterCard card
  • Create Standing Orders but you can not set up Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • Opening fee of £25 (£30 for a joint account)
  • NO OVERDRAFT FACILITY – No risk of going overdrawn
  • NO EXTRA CHARGES – No charges for bounced standing orders
  • NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
  • YOU must be 18+ and UK resident
  • £14.50 monthly management fee (£19.50 for joint account customers)

Poor Credit History Cards Explained

 

How to improve your credit history:

If you have suffered from a poor credit history in the past, including recent CCJs, then we have credit cards that can help you repair your credit rating.

How does a poor credit history card work?

Poor credit cards are designed to help you rebuild your credit rating by giving everyone the opportunity to make regular minimum payments. Every time you make the required payment on time and in full your "behavioural score" increases. If you continue to do this over a sustained period of time (at least 6 - 9 months) then the next time you apply for credit elsewhere that particular company will refer back to your present card company who will confirm that you have handled your credit responsibility with them and thus increase your chances of being accepted with a future lender.

Will I be accepted for a poor credit history card?

The credit card companies judge each application on a case-by-case basis so you are never 100% guaranteed. These card companies charge a higher APR in recognition of the risk they are taking on by allowing some one with recent CCJs or defaults to have credit. If you have experienced these problems or have been rejected by other card companies, these cards will offer the best chance of being accepted.

See our range of best Poor Credit History Cards above.

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