Compare Credit For
People With Bad Credit

Credit for People with Bad Credit - Compare the top 5 bad credit cards to see the latest deals on offer. Choose from a range of cards and start rebuilding your credit score today. Applying is easy, simply decide which card you want then click the 'Apply' button.

Credit Cards

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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Credit for People with Bad Credit

Credit cards have always given consumers the means to access credit, while providing a range of other features in order to gain custom. These features can vary greatly, and have each been designed to help a different group of consumers with different needs.

Bad credit cards not only offer credit for people with bad credit, but also provide an invaluable service to help them repair their credit score in order to be accepted for future credit applications while allowing them to benefit from better deals that are only available to those that have a good track record.

Bad credit cards are specifically designed for people that have a bad credit rating, which is likely to be because of problems encountered in the past such as late mortgage payments, defaults or even CCJ's. This said, consumers may not have a credit rating simply because they have no experience with credit.

Something that is worth remembering is that this type of card comes with higher interest rates as well as lower credit limits, so they are not as attractive as other credit cards, but if used properly will help you to build up your credit score.

Top 5 Adverse Credit Cards

Card
Issuer
Credit Limit
CCJ's Accepted
Representative APR
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Capital One Classic
£200 - £1500
Yes
34.9%
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Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Vanquis Aquis Card
up to £1000
No
29.8%
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Representative Example: If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).
Vanquis Visa Card
up to £1000
No
39.94%
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More Info
Representative Example: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

Capital One Classic

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: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 34.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £200 - £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 Aquis Card

Advice

Credit limits start quite low around £1000 but will rise after credit has been handled responsibly. You acan apply to increases every 4 months, up to £3,000.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 29.8% p.a. (variable)
Representative Example: If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).
Annual Rates
Balance Transfers: N/A
Cash Advance: 29.8% p.a.
Annual Fee: N/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

Vanquis Visa Card

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: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).
Annual Rates
Balance Transfers: N/A
Cash Advance: 39.94% p.a.
Annual Fee: N/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


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