Best CCard for applicant with late payments

gshi

Hi All,

Apart from Cap1 are there any other providers that will issue a 'Gaurenteed CCard"? Also helpful if it can be charged with cash so has a 'credit balance' if spending limits are low - Capital One will not allow this.

Need it as going overseas and need Credit Card to pay for bills (Car Hire, Hotel etc) with companies that will not accept switch/electron etc.

Any help much appreciated!

davek1

Hi gshi

Have a look at this link. Its a pre-paid mastercard. yes there are fees etc but if it fits the bill it might be ok. I use one as have a dreadful credit rating it works for me. i know others will slate it for charges etc but its horses for courses.

http://www.mycashplus.co.uk/index.htm ( copy and paste to your browser)

Hope this helps

dave

jonesMUFCforever

If you are unable to get a credit card you could also consider the prepaid travellers cheque card that American Express are now offering.

Rafter

Barclaycard have a card for people with impaired credit I think.

A few late payments should not necessarily prevent you getting a card from someone like nationwide - it depends how many, how long ago and whether you technically defaulted (more than 2 payments missed in a row) and whether your accounts are now back in order.

Several people are doing pre-paid cards now - but I think these work like electron and solo and will only work with online retailers - otherwise they would be a massive fraud risk.

R.