How to apply for credit card without 3 years previous uk address history?

Ant187
Ant187 Posts: 4 Newbie
First Anniversary
in Budgeting & bank accounts
Hi all,
Posting on behalf of my german partner. She has lived in the uk for 6 months now and is working full time and registered on the electoral roll and has a uk bank account.

We thought this was enough however she was declined a car finance deal in sept so been advised to get any CC to start building up her credit history.

The hurdle is is all CC applications, even credit builder applications ask for previous uk address history if not lived in the UK for more than 3 years and will only accept a UK postcode to be submitted not a foreign one. How do you get around this as feel like we're constantly hitting a brick wall.

Thanks

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Name Dropper Photogenic First Anniversary First Post
    Somthings aren't meant to be. 6 months isn't long enough to establish any amount of history.
  • livinka
    livinka Posts: 5 Forumite
    Mobile phone contract (not pay as you go)
    Overdraft facility with existing bank
    Credit card from existing bank
    Credit card for bad (or insufficient) credit history: moneysavingexpert.com/credit-cards/bad-credit-credit-cards/

    All these build credit history. She doesn't need 3 years, 6-12 months of history is enough.
  • Vet
    Vet Posts: 180 Forumite
    First Anniversary Combo Breaker Name Dropper First Post
    livinka wrote: »
    Mobile phone contract (not pay as you go)
    Overdraft facility with existing bank
    Credit card from existing bank
    Credit card for bad (or insufficient) credit history: moneysavingexpert.com/credit-cards/bad-credit-credit-cards/

    All these build credit history. She doesn't need 3 years, 6-12 months of history is enough.

    This! And make sure you pay back in full each month. These bad credit history cards have ridiculously high charges if you do not pay in time!
  • alandaniel132
    alandaniel132 Posts: 476 Forumite
    First Anniversary Name Dropper First Post
    Apply for overdraft and used the overdraft, pay some small interest. the bank know then give you credit card
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    alandaniel132 wrote: »
    Apply for overdraft and used the overdraft, pay some small interest. the bank know then give you credit card

    Although it's not as simple as that...
  • Ant187
    Ant187 Posts: 4 Newbie
    First Anniversary
    Thanks for messages,
    She applied a while back for phone contract with ee but was denied.
    Also applied for credit card through her bank account branch who said that she would probably get accepted, but also denied.

    Main thing i want to know is how to get around her not having 3 years worth of previous uk address history as that is the main crux even for high interest credit builder cards.
  • sal_III
    sal_III Posts: 1,953 Forumite
    First Anniversary First Post
    Why is she so determined to get a cc? I doubt that anyone will give her one with less than 1 year history in the UK. After one year her current account provider is likely to give her a low limit cc.
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