Prepay credit cards - advice please

kerryba

Hi,

I'm really hoping someone can advise me on this. Briefly, I am a discharged bankrupt and can therefore not apply for credit cards so have been looking into getting a prepay card for the next few years. I've been reading about the cashplus card on this website that has an additional credit helper facility which acts as a loan and can therefore help repair your credit rating. This costs £4.95 a month - my question is - if I did this, will it make no difference to my credit score because I'll still have details of by bankruptcy on there?
It's just that if it won't help me anyway, I may as well go for one of the other cards which don't charge the monthly fee.

Hope this made sense to someone - I'm very grateful for any replies - thank you!

Kerry x

dane-katie

you might be able to get a credit card, have you cleaned your credit file up?

if you have, have you tried one of the sub prime credit cards there is a thread on here with the details, people who are discharged have recieved a credit card with a small limit even few months after discharge