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Most relaxed "regular" credit card?

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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?

Comments

  • What features are you looking for in a card?
  • 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!
  • What kind of credit history do you have?
  • 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 asking :)
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    what exactly shows on your credit records
    what debts do you have
    how much do you earn
  • Total debt is around 2k, no missed payments for years

    Still have 1 default from about 4 years on file

    I make 25k
  • 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.
  • MrSilk
    MrSilk Posts: 1,515 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Vongizzle wrote: »
    Total debt is around 2k, no missed payments for years

    Still have 1 default from about 4 years on file

    I make 25k

    How much was the default for, and also is it settled?
This discussion has been closed.
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