Can Anyone Offer Any Advice

pcal

ok my friend has had bad credit history in the past and is now trying to rebuild it now she was advised to get a credit card but with bad credit cant so what can she do.

mcmanlyn

There are quite a few cards for bad credit, that should help her build up her credit rating (provided she is sensible & pays them off well!)

Try http://www.moneyextra.com/cards/ and search for 'Difficulty getting credit!' (sorry direct link to that page is huuuuuuge)

They APR is much higher than a normal card - but once she's shown that she can repay well then she can try for a 'normal' card

Moggles_2

For tips to improve her chances of credit card acceptance, have a look at the *Credit Rating: how it works and how to improve it guide*, especially Martin's *Manage and Improve your credit score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

pcal

thanks ill print that out as she isnt on net. i am trying to help her sort it out but the main reason she is in bad credit ios that she is to kind to family and buys them when she should and they kind of use her, thanks alot for you help

Swans1912

pcal wrote: »

thanks ill print that out as she isnt on net. i am trying to help her sort it out but the main reason she is in bad credit ios that she is to kind to family and buys them when she should and they kind of use her, thanks alot for you help

In that case - with all the good will in the world you could end up doing more damage - especially if its a sky high APR!