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Most relaxed "regular" credit card?
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Vongizzle
Posts: 8 Forumite
in Credit cards
Hello,
I was wondering if anyone had any information on which credit cards might be easiest to get that aren't in the "credit builder" category?
I was wondering if anyone had any information on which credit cards might be easiest to get that aren't in the "credit builder" category?
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Comments
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What features are you looking for in a card?0
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I really only want it as a fallback for an emergency, but probably low apr (even though I don't plan to build a balance)
To be honest the features aren't important, maybe customer service!0 -
What kind of credit history do you have?0
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I had trouble a number of years ago, but it's all cleared up.
I do qualify for credit builder cards but haven't tried for a regular one (which is why I was asking0 -
what exactly shows on your credit records
what debts do you have
how much do you earn0 -
Total debt is around 2k, no missed payments for years
Still have 1 default from about 4 years on file
I make 25k0 -
You might be able to get a BarclayCard Platinum. Or you might be able to get a standard credit card through your own bank if you have a long and good-standing relationship with them.Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.
ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.0
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