will anyone give me a credit card?

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I know this is a long shot but I thought I would ask

I had lots of debts and I have finally managed to pay them all off (a few months ago)

some of them were credit card debts

I have a basic bank account with my bank

I dont have a job, I had to give up work and become a carer for my disabled son

having a credit card would be really useful for e.g booking a course as I only have a solo card and the site I went to wouldnt accept it

so my question is..............does anyone know of any CC company that might take a chance with me and offer me a low limit CC?

I know the answer is probably no...........I have been irresponsible in the past but I thought I would ask

Comments

  • davethorp
    davethorp Posts: 1,577 Forumite
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    Capital one, vanquis or aqua are your best bets

    Failing that get a catalogue with JD williams or littlewoods, manage that well for a few months then try again for a credit card
  • kurjam
    kurjam Posts: 1,342 Forumite
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    would be interested if any of them say yes, as my mum is also in a simalar situation with her credit !!
  • *MF*
    *MF* Posts: 3,113 Forumite
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    Never used one - so no recommendation, ok (I hope others may comment)

    But would a pre-paid credit card be of any "practical" use for booking courses etc?

    Some info here:

    http://www.moneysupermarket.com/cards/prepaid-cards-guide1.asp
    If many little people, in many little places, do many little things,
    they can change the face of the world.

    - African proverb -
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    *MF* wrote: »
    Never used one - so no recommendation, ok (I hope others may comment)

    But would a pre-paid credit card be of any "practical" use for booking courses etc?

    Some info here:

    http://www.moneysupermarket.com/cards/prepaid-cards-guide1.asp

    Prepaid card will be your best option as it will avoid you from getting into debt again.

    Do you mind if I ask if you ever defaulted any credit agreements or have been issued a CCJ?

    If you are desperate for a CC ( Although personally I think you would be silly as you have previously had issues managing debt ) See Proliants - Sub Prime Credit Thread for lenders that may accept you.

    Good Luck
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • jopwo_87
    jopwo_87 Posts: 327 Forumite
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    Yep i would go with Capital one. They pretty much accept anyone. Just be very careful with it. As someone else said, might be wiser to get a pre-paid credit card
    Thinking it over...:o
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