happy new year all, can any one tell me where i cant get a credit card without doing credit checks?

Question

im self employed just started, and im finding it hard to obtain credit after a messy divorce, im a uk resident

if you must no SHALE.S i was blown up in iraq 9 months ago, ive given 12 years to the parachute regiment and my country fighting all over the world who do you think you are judging people buy the question they ask help for!!!

whilst i was in hospital in france my so called wife done a runner with all the money i couldnt spend, and also ran up massive debts, thats why im asking the question, surley everyone desrves a second chance to be happy

Answer 1

tsk tsk to all those nasty answers. this is a legitimate question. Ok, to start with you need to consider what you owe out in regards to your monthly income. Is a credit card even reasonable at this point? What can you afford for a payment without strapping yourself? have you gotten a credit report as of late to determine where you are at? If not I suggest you get one, you may be better off than you think, or not. In order to really get yourself going make sure you have good record keeping for your business. You will need that in order to prove your income. Most companies like to see atleast ( bare minimum 6 months) of steady income. Your regular monthly payments like your energy bills, phone bills, rent payments et cetera should be kept up to date and recorded with reciepts. believe it or not these payments are a part of your future credit building. Also, you need to start looking at what you owe out. You should contact all of your debtors and make payment arrangements with them. this is also a way of rebuilding your credit. Don't let it scare you. If you are not able to make these payments then you absolutely should not get a credit card. After a period of time you will see your credit score go back up once you pay off these other debts. So you know credit scores have no set way of going up or down. But as long as you do the right thing they will go back up. Communicating with the companies you owe is key and do not promise something you are not able to do. Once you do all of this, I would do one of a few things.... you can get a prepaid credit card, you can also go to your bank and show the lender all of your reciepts/ payments and ask for a small loan ( the bank would most likely prefer a secured loan with collateral) or that would be the place to get your secured credit card. If you do not own a car then a car loan is a way of getting your credit up ( but you must do the other things first) your interest will be higher since you will be a higher risk but that's the price you have to pay to start unfortunately. I would also suggest you take the payment you would expect to pay every month 6 months prior to your requesting the loan ( auto) and set it aside for the downpayment. Do this for 2 reasons... first it will give you a feeling of what a payment will do to your monthly outgoing bills AND it will give the lender more security in giving you a loan when you put something into it. The other places you may want to look at is furniture stores, retail stores and gas cards. Mind you, you will still need to clear your history up first. Unfortunately this is how the credit world works. You will not get a card otherwise.
I know you wanted more of an easy answer but this is your best solution. It will take some time but it's the best way to rebuild.

just wanted to add that you do not want to keep having your credit score pulled byu companies... this lowers your score and it shows lenders that your are desperate for credit which will then turn them off for giving you any.

Answer 2

Absolutely! Apply to Capital One. They'll give you a card with a £200 limit and no checks. The interest rate is high so you need to pay it off every month.

I had credit issues some years ago and, about 5 years' back got a Cap 1 card. Always paid on time - never went over limit (£200) and worked up from there. I've now got cashback cards(GE money @ 3%, and also Morgan Stanley @ 2%) and new mortgage and all is well.

It takes time, but you can do it, mate!

P.S. I still pay the bills in full every month.

Answer 3

The lenders who I know who look favourably on people like us , are Provident, Aquacard, Capital One and Vanquish. They will do a credit check and if they offer you a card, the interest can be as high as 70%. They all turned me down so now I have a prepaid credit card called Titanium cash plus. It is brilliant for the internet and my credit limit is what I put on it. Strictly speaking this may not be what you are after but it can be a way of proving your creditworthness. Search credit cards, that will bring up all the options.

Answer 4

Have your pay direct deposited into a separate account. Put enough funds into the joint account for her to cover household expenses. She will be pis*ed off but you can tell her that you have exhausted all alternatives to compromise with her and that your financial situation requires drastic measures if you are going to make ends meet. Secondly, just say "NO" you can't place all the blame on her if you don't actively take actions against it. So what if she throws a tantrum. In the long run you will both be better off.

Answer 5

Your credit has to be rebuilt over time. Try setting up direct debits from your current account to pay for bills (but make sure you keep your balance topped up). Lenders like to see money going in and out of your account. There are some credit card companies that do specialise in lending to people with poor credit, there interest rates are very high. Try Vanquis

Answer 6

why don't you see if there is a credit union local to you-if you are open & honest with them they will try to help with loans for a start- & the loans are usualy 1or 1.50% on a decreasing balance.

Answer 7

It is easy. Just open a secured charge account with your bank.

Answer 8

Happy new year as well. You asked where you can't get a credit card? Um try your local newsagents, don't think they issue them, or repost when your sober lol

Answer 9

nowhere, i don't think anyone would give someone credit without checking their status first it would be crazy to do that as they wouldn't know whether you had the means to pay it back

Answer 10

If you have bad credit you dont deserve a card....the rest of us end up paying for you by being charged ridiculous interest rates.