PoorCredit

Poor credit can not only affect applications for credit cards but also loans, mortgages and mobile phones. There are other factors that can affect your credit rating apart from the more obvious ones directly related to your own personal circumstances and to help you with your credit card application there are several companies that can provide you with your personal credit history and own credit report. This allows you to identify the areas where your credit card application is faltering, whether it is down to personal circumstances, out of date details or suspicion of fraud.

Short-term loans can represent a solution if you have bad credit for some reason and have no alternatives of getting money.

The following companies offer essential information prior to filing your credit card application. There are also some credit card companies that offer credit cards with less benefits for those that have a lower credit score.

Capital One Classic Visa Card

Typical 34.9% APR variable.
Balance transfers subject to a 3% handling fee.
6 choices of credit card design.
Free Purchase Protection Insurance.
Spread your payments.
Paperless application process. Response in 1 minute.
Minimum credit limit of £200; maximum credit limit of £2,500.
Interest free period of up to 56 days on all purchases.
No annual fee.
Great for people who want to build or rebuild their credit rating.

CreditExpert

CreditExpert is the UK's leading online consumer credit monitoring and identity fraud prevention service.
FREE trial online access to your credit report.
Advice and tips on how to manage and improve your credit rating.
The credit myth blacklist.
Ten ways to improve your credit history.
Shopping around for credit cards? If too many lenders carry out a full check of your credit report it can look as if you are desperate for money or raise suspicions that a fraud is being committed. Instead, sign up for a free 30 day trial at CreditExpert, the online credit monitoring and identity protection service from Experian. You can then check that your enquiries haven't been misinterpreted as applications for credit and that any footprints make it clear you were only asking for quotes. And if there is a problem, CreditExpert will help you to set the record straight.
Interest rate on credit cards can vary between 5 and 69.5 percent, often depending on your credit rating. If you would like to know how to improve your rating, sign up for a free 30 day trial at CreditExpert, the online credit monitoring and identity protection service from Experian. To find out more click here. It will allow you to check your credit report, which is the information about your financial history that lenders see when they decide whether to offer you a credit card and how much you should pay. And there's plenty of advice on how to improve your report and get the best deals.