anyone no any companies offering credit cards with an adverse credit rating?

Question

im a tenant and have an income of 13000 but being a single mum i need a card incase of emergecencies, only need a small limit

Answer 1

type credit into your search engine. I know someone who got credit cards that way, and it was a nightmare. first off, the interest rates are really high. second, you have to make a payment every single month, whether you use the card or not, or it reflects badly on your credit score. third, even if you don't use the card, they charge you a fee every month - they say that this will show activity on your card which enables them to give you a good report frequently, but its just a scam to make money. if you're one month late making a payment, the fine print often gives them the right to charge exhorbitant fees, and you can be faced with a bill that was double what it should have been. they have a bunch of legal ways around things, I guess.

go ahead and try it if you want to, but I thought you ought to be forewarned first. its a trap to take advantage of your poor credit and desperation to get a card, but they call it "helping reestablish your credit." bah.

Answer 2

You can get a credit card that you put your own cash onto whenever you like or have some spare, that way your not getting into debt and know you can only spend what you have put on your card, its your money and no interest to pay back each month, its called Cash-plus, you just top up at post offices and use it exactly the same as any other credit card, otherwise the only other ones I can suggest are Capital One, Provident (huge interest payments I believe) and Aqua from the Halifax Bank.

Answer 3

http://www.moneynet.co.uk/refused-credit/credit-card.shtml

ADVERSE CREDIT CARDS

Currently, only one credit card provider offers a card for people with adverse credit history.

Capital One offer a credit card designed for those with a poor credit rating. Applying for the Capital One Visa Card can help strengthen your credit card history.


You will also be able to enjoy:
Typical 29.9% APR variable
No Annual Fee
Great choice of card design
Credit limit between £200 and £2,500
Spread your payments
Instant cash from any cash machine that displays the Visa sign
Applying for your new card is simple...

Answer 4

Provident and Beneficial Finance and sometime certain companies advertising in the back of tabloid newspapers.

The ads in the newspaper tend to charge you for the crdit card, about £50.00.

In a nutshell, the companies that offer credit card for adverse credit rating usually charge a higher interest rate.

Elle

Answer 5

The safest method to use is a pre pay credit card, put that in a search engine and lots of companies will come up for the Uk and US. It is effectively a debit card but with the Visa or mastercard logo as can be used as a credit card but you cant get into debt as each payment is taken directly from your cleared account funds

Answer 6

attempt to circumvent doing this. There are an undesirable lot of human beings in economic issues already in this us of a because of the greed of mastercard organizations. in case you do take out yet another card, pay attention of fee safe practices coverage. In theory there are more cost-effective possibilities to what the mastercard organizations provide. there's a huge stink being kicked up about this at present.

Answer 7

Ascent Credit Cards. Look them up on the web.

Answer 8

Sorry, but who do you think are going to give you credit if you have a bad credit rating?

Answer 9

Capital One do, I got one of theirs. If you pay it every month (the minimum) it actually helps build up your credit rating

Answer 10

Providian and Capital One are easy to get.