bt credit card

The BT Visa Credit Card gives you 0% p.a. on card purchases* for 12 months from the date your account is opened AND 0% p.a. on balance transfers for 3 months (3% handling fee applies). 16.9% APR typical (variable).

Plus, unlike some other lenders, we guarantee that if your application is successful the rate you apply for is the rate you’ll get - no exceptions!

There is no annual fee to pay and no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account. On top of that, there is a free 24-hour worldwide telephone helpline and online banking service that provide control and flexibility in managing your account.

BT Visa Credit Card.
Great promotional rates on balance transfers AND card purchases.

Click here to apply for the BT visa credit card issued by MBNA

*See summary box for details of how payments to the account will be allocated

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 **

Barclaycard OnePulse credit card

   0% interest on purchases for 6 months from account opening

In-built Oyster card for the easiest way to travel around London

Go cashless with OneTouch payments a new and quick way to pay for purchases of £10 and under

Click here to apply for the Barclaycard OnePulse credit card here.

Go cashless with OneTouch payments a new and quick way to pay for purchases of £10 and under

mbna business credit card

  MBNA Business Card with Cashback

• 0.5% cashback on all card purchases** plus double cashback on fuel purchases
• 0% p.a. on card purchases for a full 6 months from the date your account is opened
• 4.9% p.a. on balance transfers and credit card cheques for a full 6 months from the date your account is opened (2.5% handling fee applies)
• Standard Annual Rate of just 17.9% p.a. (variable) plus a yearly membership fee of just £29
Benefit from specially negotiated discounts - designed for the needs of your business
FREE online account management - view your balance, credit limits for each cardholder and your last thirteen months’ transaction history online, all from the comfort of your business or home
Up to 57 days interest free on card purchases when you pay your statement balance in full and on time every month

**Terms and conditions apply to cashback. Full details will be sent once your account is opened

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%).

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%).

Co op credit card

think credit card from The Co-operative Bank The new think credit card from The Co-operative Bank offers a range of financial and ethical benefits that make a tiny difference to the world every time somebody uses it. It’s the perfect credit card for people who think about the bigger picture – but also want a good deal from their credit card. What Customers get when they think: • Half an acre of Brazilian rainforest purchased and protected in your name when you transact on your credit card for the first time, plus a contribution of 25p will be made to Cool Earth for every £100 spent on the card • a special rate of 7% pa on products bought from Co-op ethical partners, for 6 months after each purchase – usually 14% APR typical/variable • 7% pa on balance transfers for 6 months from the date of each balance transfer • no annual fee • up to 59 days interest free credit.* The thinking person’s credit card By customers doing their bit to help protect the environment and rewarding them for being more ethical in their purchases, The Co-operative Bank’s think credit card helps people make a little difference as they go about their day-to-day life. It’s got to be worth thinking about.

Prepaid - Mastercard - Debit Card - The Sun

  Prepaid Maestro - Mastercard- The Sun.

Virgin Money - Credit Card

  Great Rates on the Virgin Money credit card

Get a credit card that gives you 10% off at Virgin Megastore, Virgin Holidays and other great deals. 0% p.a. on balance transfers for 15 months and 0% p.a. on card purchases for 3 months. Handling fee of 2.98% applies. Typical rate 15.9% APR (variable).