Best Card for Poor rating?

pol65

Hello all, i'm new to this so hope this is OK to ask for advice!

for a number of reasons I hsve got myself in to bad debt in the past but have happily beaten it and am back to£0 balance, which is better than in the red! However, my credit rating has been effected and ti's stopping me doing simple things like getting a mobile contract!]

Are there any cards which perhaps give a low credit amount but accept people like me?

thanks in advance

debtcutter

Have you looked into the Capital One Classic?

http://www.capitalone.co.uk/creditcards/classic-credit-card.jsf

Have a good read and ONLY APPLY if you know you aren't going to go and spend straigh up to your limit.

It sounds like you've worked hard to get out of debt, don't use it as a chance to get back into more again!

I've never had a cap 1 card before, so can't comment on their service etc but sure others can do that for you.

Sheriffsam

I would recommend Capital One, I think their call centres are good if you have problems and their online banking is also very good.

Maestro.

I wouldn't reccommend Capital One after they managed to get my name rather badly wrong when credit searching me. The search has actually just recently dropped off my file, thankfully.

debtcutter

Maestro. wrote: »

I wouldn't reccommend Capital One after they managed to get my name rather badly wrong when credit searching me. The search has actually just recently dropped off my file, thankfully.

What do you mean?

How wrong was it?

Why did it show up on your file if it wasn't even your name?

Did you contact the credit reference agencies and did you also contact capital one to explain and ask them to remove the search, in writing?

Maestro.

debtcutter wrote: »

What do you mean?

How wrong was it?

Why did it show up on your file if it wasn't even your name?

Did you contact the credit reference agencies and did you also contact capital one to explain and ask them to remove the search, in writing?

They got my middle initial wrong and missed a letter out of my surname.

Quite how it showed up on my file I don't know, but I certainly didn't imagine it.

No I didn't contact the CR agencies as I couldn't see that it was causing any major problems. I'm also far too apathetic to small issues like that to bother writing to a company to ask them to remove their mistake. The search has now dropped off my file.

Regardless; that doesn't make my reccommendation to avoid any less valid.

I would go for Vanquis - their sales tactics are a bit tricky but they are an easy lender and give regular credit limit increases.

pol65

Thanks, I'm really only using it to get a good credit rating again. So the odd spend here and there and then pay straight off. I never want to be in debt again!!

Will have a look at Capital One...fingers crossed! Thanks for your thoughtful advice everyone :-)

Hairymonster

I have had vanquis(murder to deal with) capital one and barclaycard initial to help rebuild with credit report. I wouldn't go with Vanquis again but the other 2 have been great.