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on a credit agreement in the past couple of years you will probably know that the chances of a Main Stream lender approving your application for a Personal Loan or Credit Card are slim.

The Credit Crunch has seen the criteria for Credit increased. Not being on the Electrol register or even having no credit is enough to make some lenders worried.

Capital One look past the red tape, they try to consider your ability to be able to repay credit. After all a Credit Card is not a short term product. If you make only the minimum repayment on any credit card it can take a very long time to repay the balance.

If you have missed repayments and are serious about rebuilding your credit and you want the flexibility of using a Credit Card then Capital One should be given serious consideration.

Capital One have just re-designed and re-branded their credit cards, so as well as looking smart, you could be given the chance to prove you are smart. Using a Capital One Classic Card and keeping up the repayments each month (not exceeding your limit) will only help to improve your Credit Score and improve the chances of a Main Stream lender approving your application.

To find out more and to make your application now, Please click here.

Seriously accelerate your travel plans with the Virgin Atlantic American Express® Credit Card from MBNA. The Virgin Atlantic White Card is the fastest non annual fee credit card to earn Virgin Atlantic Flying Club miles, with 0% p.a. balance transfer rate for 6 months from the date your account is opened (2% handling fee applies), typical rate 17.9% APR (variable), 1 Flying Club mile for every £1 spent, 2 Flying Club miles for every £1 spent direct with Virgin Atlantic or Virgin Holidays 3,000 bonus Flying Club miles upon first spend

Apply now or find out more

The Virgin Atlantic White Card it’s the fastest way to earn a complimentary companion reward ticket. If £15,000 is spent on the Virgin Atlantic White Card each year you’ll get a complimentary round trip companion reward ticket the next time you book a qualifying flight with Virgin Atlantic. It’s also the only way to get a Premium Economy reward upgrade. If £10,000 is spent on the Virgin Atlantic White Card in the first year, you’ll get a round trip Premium Economy reward upgrade the next time you book a qualifying reward flight in Economy. Plus others can earn Flying Club miles for you as free additional card holders giving you even more miles as they spend.

Flying Club is the loyalty programme of Virgin Atlantic Airways. Join Flying Club and you can earn miles on all Virgin Atlantic revenue flights, even the lowest Economy fares, in addition to what you’ll earn on your Virgin Atlantic Credit Card. You can also earn and spend miles with all our partner companies, including other airlines, hotel groups, restaurants and car rental firms worldwide, as well as a host of Virgin Group companies. Additionally, as a Flying Club member you’ll be entitled to a 10% discount with Virgin Holidays.

Apply for the Virgin Atlantic American Express White Credit Card by clicking here

For more FREE Prize draws please click here