Credit Card for people with bad credit

erlando1

I went bankrupt in Dec 2008 and was released a year later. I am looking at getting back on the property market again in the next couple of years but to do this I will need to build improve my credit score.

I tried applying for a credit card (Capital One) for people with bad credit or who have been bankrupt for more than a year but still got rejected. Since i declared myself bankrupt I have never had a loan or credit card so how come I am still getting rejected for one of these credit cards? I have a mobile phone contract, gas/electric bills, sky bills and I have never missed a payment. I could understand if i was missing payments but im not. I know lenders are going to be uneasy lending to people like myself but why advertise is as a credit card for people with bad credit or been bankrupt for more than a year?

Does anyone know any credit card companies who would be likely to give someone like myself a credit card? Im not even asking for a large amount. Possibly £200 just to help build my credit history.


Regards

guesswho2000

If I were you I'd try Vanquis as a starting point. The APR will be mind blowingly high, so ensure its cleared in full each month. Good luck

erlando1

I'm not fussed about the charges because my plan will be to pay it off anyway. It's more to show that I am making regular payments.

Appreciated

guesswho2000

namwah wrote: »

f I were you I'd try Vanquis as a starting point. The APR will be mind blowingly high, so ensure its cleared in full each month. Good luck.Business card is very important for any business man.and we can made different business card on printing papers.

And there's the :spam: to go with it

erlando1

It's as If Namwah wasn't trying to be helpful

Anthorn

Yes, try Vanquis first. If they reject you, you'll be rejected everywhere.

Ericparke

erlando1 wrote: »

I went bankrupt in Dec 2008 and was released a year later. I am looking at getting back on the property market again in the next couple of years but to do this I will need to build improve my credit score.

I tried applying for a credit card (Capital One) for people with bad credit or who have been bankrupt for more than a year but still got rejected. Since i declared myself bankrupt I have never had a loan or credit card so how come I am still getting rejected for one of these credit cards? I have a mobile phone contract, gas/electric bills, sky bills and I have never missed a payment. I could understand if i was missing payments but im not. I know lenders are going to be uneasy lending to people like myself but why advertise is as a credit card for people with bad credit or been bankrupt for more than a year?

Does anyone know any credit card companies who would be likely to give someone like myself a credit card? Im not even asking for a large amount. Possibly £200 just to help build my credit history.


Regards

Pretty interesting