getting a credit card with bad rating

jazzy7070

ok ive been trying to get a credit card but have been refused because i have a very bad credit rating,i have only tried the abbey but i imagine most banks will be the same,does anyone know any banks or companies that would give me a card.thanks.by the way does credit go by the house you live in or is it your name

CLAPTON

why do you want a CC?

if your credit record is poor then you will probably only be able to get a card with APRs of 30% or higher

credit rating go with the person not the address

what exactly do your credit file say ?

jazzy7070

CLAPTON wrote: »

why do you want a CC?

if your credit record is poor then you will probably only be able to get a card with APRs of 30% or higher

credit rating go with the person not the address

what exactly do your credit file say ?

never actually seen my credit file but keep getting knocked for credit,think it was a council tax problem a while ago

jazzy7070

CLAPTON wrote: »

why do you want a CC?

if your credit record is poor then you will probably only be able to get a card with APRs of 30% or higher

credit rating go with the person not the address

what exactly do your credit file say ?

and the reason i want a credit card is because i work offshore in norway and need a card i can use abroad

mummytofour

You can get a pre-paid card, just load it up with cash and away you go! That way you only spend what you have and dont get any new debt.

Zebedee69

Pre paid cards dont work outside of the country. The only card out there today which will not charge a fee for payment abroad is the Nationwide CC or the Post Office CC. Both of these will probably not be available to you. Have a try though....

Hope this helps. Dont get the 30% APR card they will murder you with charges if using abroad.....

Zebedee69

Pre paid cards dont work outside of the country as well as alot of other places and they also charge you for withdrawing your own money. Wouldnt touch with a ten foot bargepole unless you dont have a debit/creidt card and need to pay online.

The only card out there today which will not charge a fee for payment abroad is the Nationwide CC or the Post Office CC. Both of these will probably not be available to you. Have a try though as nothing is set in stone.

You should visit https://www.creditexpert.co.uk and get your creidt file for free. Atleast you will know why your being refused.

Hope this helps. Dont get the 30% APR card they will murder you with charges if using abroad.....