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Bad Credit History Credit Cards
For people
with CCJs
If you have a poor credit rating or bad credit
history it can be caused by a number of reasons including not paying
your credit cards on time, un-authorised overdraft
on your bank account, default in car finance payments,CCJs, failure
to pay household bills, mortgage or rent arrears, current account
loan defaults and even bankruptcy. You may be able to reclaim un-authorised
bank charges and overdraft fees.
There are two main credit reference agencies In the UK that hold details
on
your credit rating, Experian and Equifax. You have a statutory right
to see your
credit report, it will cost you (currently) £2, To order your personal
credit report
from Experian.
or to order your personal credit file from Equifax.
Mastercard is ideal for those people who have unsuccessfully
applied for a credit card through the normal channels. We 100% guarantee
to
accept your application for this prepaid credit card if you can provide
a copy
of acceptable ID (valid drivers licence or passport), the fee of £9.95,
and a
recent copy of a utility bill (not mobile phone bill, that is under
3 months old),
gas/electric/landline phone/water/community charge bills are all acceptable.
No Credit History Credit
Cards
The prepaid credit card is ideal for those who have a bad credit history,
or county court judgments against them, are not on the electoral register
(contact your local council), or have a poor credit rating or perhaps
have been
refused/rejected for a credit card on previous occasions, and want
a bad
credit credit card. Apply
here
If you have come to the United Kingdom from another country in order
to work/live
you may not be able to establish normal banking & credit card
facilities immediately.
The solution is to apply for the Mastercard, which can be used to
have your
wages/salary paid direct to your card account, and then use your mastercard
to pay for shopping, as well as for goods and services online.
You can also have your wages/salary paid directly to the card. We
can provide
you with the form that contains all the banking information in order
for them to
be able to pay to your card account directly. We guarantee to accept
your
application if you have suitable ID there is no credit check so you
won’t be refused.
The prepaid credit card works like most other credit cards apart from
the fact that it
is a prepaid card, You therefore need to top up/prepay money on to
the card which
will be the amount of money available to you to spend.
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