Bad credit credit cards
- Get credit - up to £1,500
- QuickCheck won't affect your credit rating
- Get a fast response in 60 seconds
39.9% APR Representative (variable)Check my eligibility
Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender
You can still apply for an Ocean credit card,
even with a less-than-ideal credit history.
What is a bad credit credit card?
These are credit cards for people who have a poor credit score, due to a damaged or thin credit history.
If you’ve missed payments in the past, gone over your agreed credit limit, had to make use of a debt solution or have CCJs, your credit rating is likely to be less than perfect.
Similarly, if you have no credit history because you’ve simply never borrowed, your credit score is likely to be less than stellar.
This is where credit cards for bad credit come in. They have a higher interest rate than regular cards but, when used responsibly, you can use them to build up your credit rating. The Ocean Credit Card has a Representative of 39.9% APR (variable).
You might also be offered a lower minimum credit limit, but this can be increased over time. (Remember, a bigger balance could take longer to pay back and increase the amount of interest you’re paying).
In the UK, there’s no such thing as a universal credit score that’s used by every lender, so there’s no reason that just because you’ve been rejected by one you’ll be rejected by them all.
However, most lenders have similar things they look out for before they decide to accept or reject a credit application. You can find out more about what this might include here.
Get on the electoral roll
Registering to vote is one of the easiest ways to boost your rating. It provides proof of address to credit reference agencies, making you seem like a more reliable candidate.
Limit your applications
Each time you apply for credit, this leaves a mark on your report. If you do this too much in a short space of time, it can knock your rating and make you look risky to lenders - meaning they’re less likely to accept you.
Use eligibility checkers
A great way to limit your applications is to use an eligibility checker before you apply. An eligibility checker is a ‘soft search’ tool, which means the lender or broker can run a check that doesn’t impact your credit score, but does give you the confidence of how likely you are to be approved.
Don’t miss any repayments
Paying all of your bills on time (including previous debts, household bills and your phone bill) is a great way to improve your credit score. It shows the credit reference agencies - and therefore lenders - that you have a track record of being a reliable borrower. You can set up Direct Debits as an easy way to make sure you stay on track of your payments.
Check your credit report for mistakes
Having incorrect details on your credit report could have an unfair impact on your credit score. You can check your credit score for free with our partner, CredAbility.
Here’s what to look out for:
- The wrong address or name, including your middle name
- Accounts you don’t recognise
- Closed accounts that are still marked as open
- A duplicate account
If you spot something incorrect, contact the credit reference agency directly to fix it.