Help please! Info needed on Credit building cards

clueless84

I want to build up my credit rating. Having lived here only for one year in the uk it's not brilliant. I do have a credit card at the moment and I have missed 1 payment on it just over 6 mths ago and also made a few cash advances.(Silly I know but I've learnt the meaning of this since).

I pay the minimum amount every month and now i have managed to get my finances back in order and can pay it full every month. Also I go into my overdraft but again i've really budgeted in the last few months it's improved.

(I discovered this website, thanks to my boyfriend, I seen the error of my ways and then gave myself a good kick and finally proceeded to stress about my credit score rating and last but not least decided to get my act together.)

I would like to apply for a credit card like capital one, Vanquis or Aquacard and poss get rid of my existing card.

I do not want to apply and be rejected leaving a credit search on my report.

Can anyone tell me how easy is it to get one of these cards?

I was possibly thinking of capital one but a lot of people seem to have trouble with that company.

I'd appreciate any thoughts or opinions.

Grainne

Parki_2

I havent had a problem with Capital One at all. Out of all the subprime cards I have, I prefer Capital One. Each to their own though.

CLAPTON

you will improve your credit rating if you use credit regularly and pay on time etc

so keep your current card, spend a little each month and pay in full ...set up a DD to pay in full.

never draw cash on a cc as thts seen as having financial difficulties

avoid going into your overdraft regularly as this is seen as having financial problems too.

otherwise I see no benefit at this time of getting another CC.

seeya23

capone only give you low limit to start with like £100 i would try flybe first
https://www.flybe.com/card/default.htm
or
or auqa card http://www.aquacard.co.uk/
Capital One https://www.capitalone.co.uk/creditcards/secure/application.jsf
Vanquis Visa http://www.vanquis.co.uk/home/home.aspx

stephane_2

Am not sure I understand why you need a credit card. You already have one, 1 missed payment is not going to have a severe impact on your file in the long run and getting another card am not sure will improve your rating.

clueless84

Thank You for all your thoughts and opinions. They were greatly appreciated.;)

view

Searches aren't a bad thing - many searches over a short period are.