Credit cards for foreign students

cogitoergosum

Hello, I study in the UK for some years and so far I get my hands on some sub-prime credit cards that don't have strict rules on electoral roll (because it's impossible for me to register, I wrote to all CRA about my reason for this before).

I have cards from Aqua, Capital One, and Vanquis for about 2 years, and everytime I check my eligibility report, all those prime credit card companies still give me 2/10 or 3/10 chances, despite I pay all my balance in full and never missed a payment.

Is there anyway I can improve my situation? I can't register to vote, and it's unlikely that I get a job soon.

eDicky

Mobile phone contacts are reported to CRAs, so if you use PAYG it may help if you get a 12-month or even a rolling 30-day SIM-only contract instead. However I'm not knowledgeable enough to say how effective this would be in your case.

A stable address and utility bills in your name would no doubt help.

But are the cards you already have not sufficient?

bengalknights

Best to try with sim only phone deal and utility bills that would increase your credit reporting footprint

Dobbibill

cogitoergosum wrote: »

Hello, I study in the UK for some years and so far I get my hands on some sub-prime credit cards that don't have strict rules on electoral roll (because it's impossible for me to register, I wrote to all CRA about my reason for this before).

Being on the ER is not essential and just evidences stability in where you live.

I have cards from Aqua, Capital One, and Vanquis for about 2 years, and everytime I check my eligibility report, all those prime credit card companies still give me 2/10 or 3/10 chances, despite I pay all my balance in full and never missed a payment.

You have been approved for 3 credit cards so these will also be reporting to your CR.
I have to ask, if you've only been in the UK for a few years and already got 3 credit cards, why would you want more. It's obviously not to do with interest as you pay off in full.
My advice would be to work with what you already have.

Is there anyway I can improve my situation? I can't register to vote, and it's unlikely that I get a job soon.

You can't get a job, already have 3 cards and want another? This doesn't sound very appetizing to a lender does it.
You may well be failing on affordability more than anything else.