Poor Rating Credit Cards

Many people find it difficult to be accepted for their desired credit — be it a credit card, personal loan or mortgage. Luckily, there are now many products on the market aimed specifically at this type of person. Here, we have compared a range of Poor Rating Credit Cards.

Poor Rating Credit Cards are credit cards which are aimed at people who have a low credit score, CCJs, arrears or other reasons which prevent them from being able to be accepted for credit. Poor Rating Credit Card providers are willing to take on “riskier” applicants — in some cases, even people who have no credit rating (such as new UK residents) will be considered.

Use the easy-to-use table below to compare essential features such as the APR rate, the credit limit and if the card has a “rebuild credit” facility — this is ideal for people who wish to improve their credit history.

 

Company	Issuer	APR	Credit Limit	Rebuild Credit	Chip & Pin	Cash Back	Balance Transfer	New Purchase	More Info
Capital One Classic		34.9%	£2500+	Yes	Yes	No	Balance transfers are subject to prior approval.	Standard Purchase Period.
	Capital One's card for those who have a weak credit rating, credit problems or no credit history. Students and new migrants to the UK are also eligible. This card will help you rebuild your credit. A number of choices of modernist designs. Up to £2,500 in spending power, though depending on your credit rating you will probably start lower. As long as you keep up with repayments, your limit will be increased.
Vanquis Credit Card		39.9%	£1000	No	Yes	No	Balance transfers are subject to prior approval.	56 days interest free.
	The Vanquis Visa has helped over 800,000 people build their credit! This card is designed for people with no credit history in the UK or who have previously had bad debt or have bad credit rating. There is no annual fee to pay and free fraud monitoring on your account.
Provident Financial		272.2%	£300.00	No	Yes	No	Balance transfers are subject to prior approval.	56 days interest free.
	The Provident Visa Card is a debit card so you can't go over your limit. You can spend as much or as little of your loan as you want, when you want. Cards are available in values of £300. Don't worry if you have a poor credit history or have been turned down for credit before. Existing customers can also apply for up to £2500. Example loan - loan of £300, paid over 50 weeks. Weekly repayment of £10.50, total repayable £546. Repayment period either 23, 31 or 50 weeks. APR Rate: 272.2%