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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)

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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.

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See what our customers say about us

Take a peek at some genuine reviews from our customers. We’ve gathered these anonymous comments from Feefo so you can see what people are saying about the Ocean Credit Card.

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What is a bad credit credit card for?

A bad credit credit card is designed to help people with a thin or poor credit history borrow the money they need. If used responsibly, this sort of card can help to rebuild your credit rating over time.

This can then open you up to a higher credit limit and lower interest rates for future borrowing. But remember, if you don’t make your repayments on time or you exceed your credit limit, it can harm your credit score further and you will face fees and interest charges.

I need a credit card for bad credit, fast

When considering a credit card, it’s a good idea to weigh up the pros and cons and ensure a credit card is the right answer - and that you’ll be able to handle the borrowing responsibly.

If you decide you do want to apply, you can find out online if you’ll be accepted for an Ocean Credit Card in as little as 60 seconds.

Our ‘soft search’ tool, QuickCheck, will tell you if you’re pre-approved without affecting your credit rating.

If it’s a yes, you can apply for the Ocean Credit Card online with confidence and receive it in the post within 7-10 days. We will also need to complete a full credit check when you apply.

If the answer isn’t a yes, we may be able to show you other suitable lending options instead.

How to get a credit card for bad credit:

To apply for a credit card, follow our easy step-by-step process:

  1. Find out if you’ll be accepted before you apply using QuickCheck (without impacting your credit score)
  2. If it’s a yes, go on to apply online with confidence
  3. Once approved, you’ll receive your card in the post

How to use a credit card for bad credit responsibly

Most cards for bad credit tend to come with a fairly low credit limit and higher-than-average interest rates.

The primary aim of the card is to help build a strong and healthy credit rating, so it’s important you manage your borrowing responsibly.

You can do this by:

  • Always paying back more than the minimum repayment
  • Paying on time, every time - set up a Direct Debit to make this easier
  • Staying below your agreed credit limit

Following these steps means that you should avoid any charges for missed or late payments, which can flag up on your credit report.

To make your card as economical as possible, it’s also best to clear the balance in full every month if you can, so that you avoid paying interest charges.

If you have any problems repaying, contact your lender as soon as possible. If you’re struggling temporarily because, for example, you’ve changed jobs, talking to your lender is the first thing you should do.

What you shouldn’t do is ignore the situation and simply start missing repayments. This could mean that the credit card you took out to help you build up your credit rating only makes it worse, and may result in borrowing being even more difficult in the future.

Where can I get a credit card for bad credit?

There are a range of companies specialising in cards for people with a poor credit rating, like the Ocean Credit Card.

More about the Ocean credit card

The Ocean Credit Card is issued by Capital One (Europe) plc and has an interest rate of 39.9% APR representative variable with no annual fee. There's an initial minimum credit limit of £200 which can go up to £1,500 and the amount offered varies by customer depending on their credit history and financial situation. This is an unsecured card and you are required to undergo a credit check before your application is accepted. There is no sign-up fee. Ocean Finance is a trading name of Intelligent Lending Limited.

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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.