There always seem to be a number of attractive and available credit card deals around, no matter when you look.
However, if you have poor or all credit types, you need to look here instead.
Credit card deals with poor credit rating
The good news is some issuers offer a flexible assessment procedure allowing them to consider all applications fairly whatever the credit history of the applicant.
Representative 277.5% APR - Representative Example: Amount of credit: £750 for 12 months at £119.21 per month. Total repayment of £1430.52. Interest: £680.52. Interest rate: 140% pa (fixed). 277.5% APR Representative.
Ultimately, the likelihood of being able to get a credit card depends on your personal individual situation and if the lender perceives you to be too great a threat.
The available credit card deals are targeted at helping people rebuild and strengthen their credit history. Card deals offers a credit of between 200 and 1,500, with no yearly fee. The first annual percentage rate (APR) is high, but might be reduced once you develop a steady payment record.
Credit Card Deals with soft credit search
There are only a small number of lenders ready to accept people with just a couple of credit card types, so if you have all credit types, then have a look at what is on offer here.
If you have poor or all credit types, then you need to find a credit card companies that will only carry out a soft credit search.
What is a soft credit search?
Funny enough, we thought you might ask that!
A soft credit search is when the credit card company employees all put on soft clothes and gloves before they carry out your credit check. No?
No. Being serious; a soft credit search is when the company carry out a limited credit search to confirm if you are who you say you are, you live at the address you say you live at and other things like your date of birth to make sure they are dealing with the right person.
They do not need to do a full “hard” credit search on you to see if you missed a payment 6 years ago! They are quite happy to see if you can afford the repayments and credit limit today which is a much better and fairer system to use.
This is ideal if you have all credit types or poor credit in your history, so just click on the links to get started.