Low Income Credit Cards – If You Work Part Time or Have a Low Income
You may have suffered in the past with adverse credit information on file because you have a low income or work part time. Maybe you are a carer, working part time or have a pro rata wage as low as £6,000 - £8,000 a year. Perhaps you’ve never taken out any form of credit agreement before because you know you can only afford what you can pay. Maybe you need some form of credit to stretch a family budget? How can you get a credit card if you only work part time or have a low income?
Self-Employed Credit Cards – Options for People with an Irregular Income
If you are self-employed or have a wage that could vary depending on commission, bonuses or overtime, it can sometimes be difficult to prove your income which can make it equally tricky to get a credit card. How do you improve your chances of being accepted for a credit card if that’s your employment status?
Credit Cards for Bankrupt People – Options if You are a Discharged Bankrupt
Trying to get a credit card or any other form of credit if you have had severe problems in the past, such as Bankruptcy, can prove difficult. You will not be accepted by any company if you apply for a credit card if you are an undischarged bankrupt. Assuming you have been discharged from bankruptcy, your eligibility for a credit card will partly depend on your credit score and the amount of debt that you are still repaying. It’s worth pursuing though, as the main advantage of obtaining a credit card, once your Bankruptcy is Discharged, is to re-establish your credit rating. Obviously restraint and common sense is required when using such a card, and you need to consider whether you can afford the credit on your current income, but used properly and wisely, they can be a powerful tool to help you improve your Credit Score. So what credit card options are available if you were declared Bankrupt but have been Discharged some time ago?
My First Credit Card - Applying for a Credit Card for the First Time
Applying for a credit card, even in these credit crunch times, seems to be straightforward. You get invitations through the post, via email, through TV advertisements and even at your local supermarket checkout! Credit cards are undeniably very convenient. They avoid the need to carry large sums of cash around and seem to be the preferred method of payment if you are buying stuff over the Internet. If you are applying for a credit card for the very first time, what you will need to know is whether the card is suitable for your credit needs, what you need to provide, will you be accepted and will you get the credit limit you wanted? Lenders will also be keen to encourage responsibility in managing your account.
Non Status Credit Cards – Options for People with No Previous Credit History
When you don’t have a credit history, it can be difficult and frustrating to try and get a credit card or any other type of loan. It’s a Catch-22. If you don’t have a credit history, not many companies are willing to give you credit. But how can you ever hope to establish a credit history if nobody is willing to give you any credit?
CCJ Credit Cards – Options for People with Previous County Court Judgements
Of all the possible adverse entries on your Credit File that could damage your chances of obtaining a credit card, the most damaging is undischarged bankruptcy. Next on the list comes County Court Judgements (CCJs), which are probably the most frequently occurring of those damaging adverse circumstances. What are your chances of obtaining a credit card with CCJs against your name?
Refused Credit Card – Options if You’ve Been Turned Down for a Credit Card
It’s extremely frustrating when you are turned down for a credit card. Having a credit card could actually improve your credit score in the long run and make it easier for you to obtain credit in the future, provided you manage the card responsibly by making monthly repayments on time and staying within your credit limit. In order to get to that stage though, how do you get a credit card if you have been refused?
