advice please (if poss)

crispeater

due to getting overdrawn a few times i appear to have a bit of a cr&ppy credit rating and i applied for a cc a few months back and got declined. i currently have a virgin credit card which i'm paying stupid amounts of interest on and really want to switch over..

can anyone advise as to what maybe the best card for me to try and apply for thats not so fussy lol if there is such a thing?!

any help greatly appreciated

opinions4u

1) Get over to Debt-free Wannabe and work out ways to manage your debt down.

2) Start managing your money better and stay within any agreed overdraft / credit limits.

3) Stop applying for credit elsewhere for a bit.

Card issuers will either decline you or apply a rate that reflects your credit score. Focus on your debt and not your provider for a period of time.

crispeater

i got overdrawn once by 12p and i have 1 credit card.. hardly worthy of debt free wannabe!

izools

If going 12p overdrawn is the worse thing you've done then you're credit rating won't have been affected atall!

Who did you apply to? How many times have you applied in the last six months? How much do you owe in comparison to your salary? Have you ever missed / been late with / been short with any payments to your credit accounts like credit card or mobile phone? If so, how recently?