looking for a credit card that DOESNT credit check me

scotgirl2

Hope i have the right thread here, if mods want to put it in right place if i have done it wrong:money:

well we are on the subject of bad credit, can someone direct me to any place on the board that can recommend a good credit card that will not do a credit check so i can start building up my credit score again, i dont mind how high the APR as i wont be going nuts on it, but i want to be able to use the debit facility when needed.(i cant get a debit card with bank)

thanks in advance to any advice:money: :beer: :j

mintymoneysaver

Sorry, but if your credit is bad already and you can't even get a debit card with a bank I don't think any credit card will touch you.Couldn't you stick to cash instead?

maka_2

what about a pre pay c/credit card where you give say cap one £200 and they supply you with a credit card in theory you are spending your money but through them, and this will help you credit rating. and i also think that once you have had the card for 6 months they refund you your £200 and let you keep the card as a proper credit card

davek1

i use a pre paid mastercard that works well for me. no credit checks etc

https://www.mycashplus.co.uk

thorpe1

http://www.moneysupermarket.com/cards/cardsresults.asp?Feature=adverse

try this

file_wizzard

I think the OP was after a “real” card to help build credit history as pre-paid cards will not report any credit history as they are not a credit based product.

In short ALL credit card providers will perform a credit check, either internally if it is your own bank, or externally with a credit reference agency if it is any other provider.

Some cards of course have less stringent lending policy’s than others and you can normally take a good guess at which once these are as the will generally have APR’s in excess of 24%.

The Capital One “guaranteed” product is not currently being offered, however a few other providers you could try are;

Vanquis
Aqua
Capital One “classic”
Barclaycard Initial ( normally better for no credit history rather than a tarnished one)
Monument ( basically Barclaycard initial under a different brand name)