Bad Credit Credit Card to improve Credit Rating

sleepyjones

You have to think about it from the other perspective ... you have said that you were bad with money, getting pay day loans and stuff so you will have probably had a bad experience with every credit provider you had used if you couldn't afford to pay back any balances.

It's like when people moan about anything, ie the Police ... the police are great if you don't do anything wrong, same with credit providers ... if you stick to the terms and manage your credit well, they're great too (Vanquis). Possibly a bad analogy, but it's the first thing that came into my head.

It also seems like Vanquis have the most relaxed criteria as far as accepting people, but this is all irrelevant until you've done the eligibility checker to see what exactly might be available to you.

Worth remembering though even 100% pre-approval on the checker isn't a guarantee that you'll be accepted.