Recommend a card?

Mrs._Irwin

I need a credit card, but our credit rating isn't brilliant right now.

The amount I need to pay is low, £200, and it will be paid off within a couple of months.

What I really need to know is which is the easiest card to get?

Mrs._Irwin

Anybody help?

Brian1966

Vanquis or Capital one is your best bet depending on your circumstances.
Are you employed? Any defaults on credit file etc.
Of the two, Vanquis should be the easiest, apply online, decision in approx 7-14 days. They normally telephone to advise and if successful sell you insurance and offer you a cash advance

Mrs._Irwin

I'm not employed, but my credit file should be reasonable, DH is employed, but his credit file has more recent problems.

I shall check them out!

Mark64uk

If you apply for Vanquis via Quidco you also get £25 cash back. I applied on the 18th and got the phone call this afternoon trying to sell me the insurance and offer cash advance.They gave me a £500 Limit but im not going to use the card just applied for the cashback

Mark

Brian1966

Mrs._Irwin wrote: »

I'm not employed, but my credit file should be reasonable, DH is employed, but his credit file has more recent problems.

I shall check them out!

If recent defaults your hubby will probably have more problems than you.
As far as I'm aware you can declare yourself as a homemaker and use household income.
Are you financially linked to your hubby on CRA'S.
Still think Vanquis is best bet, should get £250 limit, interest is high so be sure to pay off asap. Excellent for rebuilding credit though.
Good luck
ps think Quidco, a cashback site pay you £25 for successful application so worth a look :beer:

katie1

capital one and aqua card excepted me i haven't got a great credit file , vanquis declined me . hope that helps a little .

good luck x

Brian1966

Mark64uk wrote: »

If you apply for Vanquis via Quidco you also get £25 cash back. I applied on the 18th and got the phone call this afternoon trying to sell me the insurance and offer cash advance.They gave me a £500 Limit but im not going to use the card just applied for the cashback

Mark

Beat me to it regarding Quidco, wasn't 100% sure but you confirmed it :beer:

Brian1966

katie1 wrote: »

capital one and aqua card excepted me i haven't got a great credit file , vanquis declined me . hope that helps a little .

good luck x

Aqua are supposed to be harder than Vanquis..crazy world of credit