IVA finished need credit card

Sosotired

Hi All, my IVA will be finished at the end of this month, I would like to apply for a credit card to improve my credit score, is there a thread where I can see success stories in getting a credit card ( I am sure I remember seeing one on here)

Also, does anyone know if it is possible to pay money into a credit card ie if the limit is £150 van I pay in say £200 on top of that when we go on holiday?:)

Many thanks

UpToMyNeckInIt

Once your credit rating has recovered you should be able to get a card from whoever you chose.

There are providers also, such as Aqua and Vanquis who specialise in providing cards to customers with poor credit ratings.

Vanquis have given me a card, and my iva is still active. Make sure you clear the balance each month because the apr will be something like 39%

MUMZ2BEE

UpToMyNeckInIt wrote: »

Once your credit rating has recovered you should be able to get a card from whoever you chose.

There are providers also, such as Aqua and Vanquis who specialise in providing cards to customers with poor credit ratings.

Vanquis have given me a card, and my iva is still active. Make sure you clear the balance each month because the apr will be something like 39%

How did you get a card with Vanquis?

I am 2 years into my IVA.

woodformoretrees

Sosotired wrote: »

Hi All, my IVA will be finished at the end of this month, I would like to apply for a credit card to improve my credit score, is there a thread where I can see success stories in getting a credit card ( I am sure I remember seeing one on here)

Also, does anyone know if it is possible to pay money into a credit card ie if the limit is £150 van I pay in say £200 on top of that when we go on holiday?:)

Many thanks

I have never had any luck paying credit on to my card, but you can get the pre-payment credit cards which I'd think must be really handy for taking on holiday etc. At least that way you're only spending what you've got.

UpToMyNeckInIt

MUMZ2BEE wrote: »

How did you get a card with Vanquis?

I am 2 years into my IVA.

I simply applied online.

If you are thinking of doing something similar, just make sure that your iva allows it, and that you can afford to repay it monthly in full to avoid interest charges.