Capital One Credit Card

Have you had Problems with credit in the past and finding it hard to get accepted for credit now? If you are trying to rebuild your credit then the Capital One Classic Card could be the perfect partner. If you have been rejected elesewhere and you want to improve your credit rating, using a Capital One classic Visa credit card could help. By making payments on time each month, you can go some way to rebuilding your credit score!

The Capital One Classic card will consider customers who may have been turned down elsewhere, as long as you are over 18, can afford the repayments and are not registered on any Credit Fraud Files such as CIFA your application could be approved in less than one minute.

Credit limits range between £200 and £2000 with an Typical APR of 34.9%

You can even select one of eight designs.

 Click here to read more and apply online for an instant decision

** Please remember, keeping up repayments can help to build your credit score **

adverse credit loans

  Eurocredit are an on-line Loan Broker, offering unsecured loans for tenants, home owners and adverse credit. Welcome to eurocredit, the UK’s premier online loans specialist. Unlike many brokers, eurocredit will not charge you a fee for sourcing your personal loan and we can give you an in-principle decision within a few minutes of your application! 

Vanquis - Visa Credit Card

 Rebuilding your credit? The Vanquis credit card has been designed to help people who are rebuilding Credit.

People who should consider the Vanquis credit card

• The Vanquis Visa Card is available to people who have had CCJs (now cleared) or credit problems in the past with a credit limit designed to suit your personal needs - 39.9% APR.

Vanquis considers every application on its own merits, so we encourage you to apply even if you have had credit problems in the past.
Apply online for a response in 1 minute!

No annual fee

Up to 56 days interest free on purchases

Free additional cardholder

Free fraud monitoring - we’ll warn you of any suspicious activity on your account

Chip & PIN technology for added security whenever you use your card

Visa is widely accepted in the UK and abroad

Convenient for paying online and over the phone

Apply here for a Vanquis Visa

capital one classic card

Been refused a credit card? The Capital One Classic credit card  is ideal for customers looking to strength their credit rating. Credit limits range from £200. (Typical APR 34.9%).

bad credit loans

Individual Finance is one of the UK’s leading unsecured tenant loan brokers, specialising in £500-£20,000 loans for people with bad credit or CCJs. We deal with over 15,000 loan applications every week, and help people get credit even if they’ve been refused elsewhere

Both tenants and homeowners can apply through one simple online application form. Applicants must be UK residents, over 18 and in some form of employment.

Click here to apply online now.

why do i keep getting declined for credit

Why do I keep getting declined for credit?

No-one has an automatic right to credit.

 Individual lenders use their own criteria when deciding whether or not to lend you money, but they rely heavily on data supplied by credit reference agencies.

Credit reference agencies are commercial companies which compile information from a number of different sources, including the electoral roll, county court judgements and financial institutions.

They sell this information to lenders and other service providers in the form of credit reports which help them to decide whether to grant an application for a loan, credit card, or provide another financial product.

The three credit reference agencies operating in the UK are Experian, Equifax and Call Credit.

Agencies hold personal information taken from previous credit applications. This includes your name, date of birth, current and recent addresses.

The agencies will hold the following data about you -

• Your name & Date of Birth
• Information found from the Electrol register
• Credit payment history
• County court judements
• Bankrupcy
• House repossessions

Even if you have not been turned down for credit, it is a good idea to check your file regularly - perhaps once a year - to ensure the information held is correct.

Lenders use all three agencies so you need to contact each of them.

Under the Data Protection Act, credit reference agencies must provide you with a “Statutory Credit Report” for a fixed fee of £2. You need to provide your full name, date of birth, current address and former addresses for the previous six years.

Credit repair

There are a number of firms that promise to “repair” your credit for a fee, but the Financial Services Authority (FSA) says consumers should be very wary about using their services.

Under the Data Protection Act, credit reference agencies are obliged to correct mistakes, or add a Notice of Correction to your file without charge.

In addition, debt advice charities such as National Debtline and the Consumer Credit Counselling Service can offer free advice about dealing with debts, county court judgements and borrowing money with an imperfect credit history.

Products which take an alternative approach and may consider you -

Been refused a credit card? The Capital One Classic credit card  is ideal for customers looking to strength their credit rating. Credit limits range from £200. (Typical APR 34.9%).

splash plastic

Splash Plastic is the UK’s first and original reloadable Chip & PIN prepaid Maestro® debit and MasterCard. It works in the same way as a pay as you go phone; you can top it up with cash at over 34,000 locations nationwide, have your wages paid directly from your employer or transfer money from a bank account to your prepaid card. Spend without fear of debt or fraud at millions of retailers online or on the high street, you can even use it to withdraw cash from ATM’s. Maestro is the most widely accepted payment brand across the UK.Splash Plastic™ is operated by PrePay Technologies Ltd, Europe’s leading prepaid services company and the UK market leader in prepaid cards solutions and the company behind the UK’s largest prepaid and gift card programmes including Virgin Money, HabibBank AG Zurich, Mirror Group, Debenhams, Topshop, Topman, Ticketmaster, Dorothy Perkins, Laura Ashley, Miss Selfridge, LOVEFiLM, Comet & Western Union amongst others. PrePay Technologies is fully regulated by the Financial Services Authority.

The first version of Splash Plastic™ was launched in 2001 and more than 1 million cards were distributed. The new version of Splash Plastic™ was launched in 2006 and now you can become a part of its success!

With your Splash Plastic Card, you can get the following benefits

• No risk of debt - spend only what you have
• No credit check or bank account required. 100% approval of all applicants above the age of 10 (Below 14 need parental consent)
• Share money with friends and family around the world with upto four additional cardholders on your account
• Shop anywhere in the world where Maestro® is accepted - on the Internet, over the phone and on the high street
• Shop securely with Chip and PIN
• 24/7 balance enquiry phone line and online account management
• Top Up at any Post Office® branch or PayPoint outlet, over 34,000 locations across the UK
• Top Up online with a credit or debit card
• Have your wages paid directly to your card by your employer for FREE!
• Transfer money from any bank account to your card for FREE!
• For your protection a maximum £3,500 card balance is allowed at any one time

Who would want the Splash Plastic prepaid card?

Splash Plastic™ has numerous uses as: 

•   an Everyday convenience card for those who
  • don’t have a bank account and need a home for their money
  • are newcomers to the UK, don’t have a credit rating and need plastic
  • are going abroad and prefer to carry cash on a card
• a money sharing card for those who
  • wish to share money with friends and family anywhere in the world
  • with upto 4 additional cards and Maestro Acceptance, your loved ones can have access to your money and make purchases at over 9 million worldwide locations
• an Online Internet Payment Card for those who
  • wish to shop online but don’t have plastic
  • are worried about online fraud
  • feel that online shopping is subject to potential fraud
• the funky Tweenage Card for those who
  • are 10 years or over and want their own card
  • want to take control of their spending. Where, When & How – they decide!
  • are parents and want to give their “tweenagers” the confidence to spend
• the Online Gaming card for those who want to
  • indulge in the latest gaming online
  • limit their financial exposure by not using their credit card
  • protect their identity online
• the Payroll card for those
  • employee’s who want their wages to be paid on a card and save cheque cashing fees
  • employer’s who want to pay their staff using a card instead of cash/cheque

Apply for you card online

adverse credit

 Welcome to our adverse credit section, providing information and services from selected companies that have been designed especially for people with a low credit score or with adverse credit eg (ccjs, defaults or missed payments).

It can happen to anyone at any time, missing payments on your credit agreements can have severe Consequences on your credit file. You can find out why high street lenders may be rejecting your application by having a look at your credit file, (We have teamed up with Credit Expert from Experian to offer a 30 day free trial).

Credit4everyone work with a number of companies that take an alternative look at your situation and your circumstances. For example, people who work part time or have a low income could still qualify for an unsecured personal loan with Provident Financial Services.

      £50 - £1000 personal loans
Provident Personal credit offer personal loans ranging from £50 to £1,000. All repayments are collected from the comfort of your home.

Customers who are rebulding their credit (for example, customers who had previous CCJs which are now paid) can also find it hard to find a company willing to offer them services. Vanquis, offer a credit card facility to such customers.

   The Vanquis Visa credit card
Vanquis back their credit card with high quality customer support and each month you will receive a statement clearly detailing your every spend (making it easy for you to keep track).

We are always adding new products and services to our website, if you cannot find what you are looking for please search here.

car finance - acf

 Click here to find out more about Car Finance with Approved Car Finance and Apply online for a decision in principle.

Car finance – easy and simple: You could receive £1000 minimum part exchange.* Apply now!