Credit Cards - Credit Building Credit Card | Improve your Credit Rating

Which 4U - Compare, Choose, Apply & SAVE!

Main Menu

Bread Crumb Trail

Credit Building

Compare Credit Building Credit Cards

Rebuild your credit history with a specialist credit improving credit card. These cards start with a high APR, but reduce over time if you handle your credit responsibly.

'Credit Building' - Credit Cards

There are credit cards available on the market that are specifically designed to help you 'build' or 'rebuild your credit rating. These cards are helpful if you have either got in to difficulties in the past and missed payments (but not actually defaulted on a credit card or loan), or if you have simply not used credit in the past and therefore need to go about building a credit record.

The effect of either low credit score, or no credit history is that you may have been declined by some of the major credit cards that offer the long 12 months+ 0% durations and low APR's (as listed on this site). If this is the case then a 'Credit Building' card could be suitable. In response to the increase risk the credit card companies are taking on in supplying these cards they charge a slightly higher standard APR, and usually do not offer 0% balance transfer durations.

Please note. If you have suffered from a very poor credit history in the past including recent CCJ's then these cards are not suitable for you, we suggest you look at our Bad Credit Card section.

Barclaycard Initial

Apply Now >

Advice

This card is designed for individuals who may have had credit history issues in the past (not including bankruptcy or IVA's) and as a result have been rejected for credit elsewhere.
This card will help you rebuild your credit rating by providing you with a small credit limit £250 which will increase to £2,000 if handled responsibly over a period of 9 months.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Typical APR
Purchases:	27.9% p.a.
Balance Transfers:	27.9% p.a.
Cash Advance:	27.9% p.a.
Standard Features
Credit Limit:	£250 - £2000
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age Have a permanent UK address for 3 months or more Haven't missed multiple payments on a credit agreement within the last 12 months Don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt You have an income over £10,000 p.a