The following Credit Cards are for individuals with Bad Credit or simply put, less than perfect credit. Simply qualifying for a credit card will not help you build, re-build or re-establish your credit. The key to improving your credit rating and subsequent credit history is making on-time payments with all of your creditors and maintaining your account balances well below the credit limits. This is the key to changing your financial future, and fixing your credit history. The following credit cards will help you in your desire for better credit, and help you improve your credit rating.

Calital One Credit Cards

Fix your credit now, let the Capital One Classic Credit Card help…. find out more now

Learn more at the UK Credit Card Centre

We are here to help, get your bad credit under control at the UK Credit Card Centre. We offer the products that help you….

Identity theft, sometimes called identity fraud, is the name given to a type of crime where someone wrongfully obtains and uses another person’s personal data in some fraud or deception, usually for financial gain. Today much of life depends on use of data that can be misused by unauthorized person. Information such as financial account numbers, credit card details, banking passwords etc are now vital components of everyday life and yet relatively easy to use for fraud if the fall into the wrong hands.

Equifax realizes this problem, and has developed the Identity Watch^tm. Equifax Identity Watch,^tm makes protecting your identity easy by automatically alerting you of certain key changes in your credit report.

Don’t be a victim, let the UK Credit Card Centre help

Equifax Credit Report - It’s important to understand your credit report and how it can help you get credit. Your Equifax Credit report gives you clear, easy-to-understand advice for each item on your credit report and its possible impact on your ability to obtain credit.

We make it easy to understand what aspects the lender uses to make a credit decision, helping you get that credit or loan you want. And checking your credit report regularly is one of the best ways to protect yourself from identity fraud.

Find out more about the family of Equifax Products by Clicking Here

Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercial data, along with advanced analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.

The UK Credit Card Centre provides the tools and information necessary to help you fix and repair your credit.  Why wait?  Get your credit back on track today.

Why choose the Play.Com Credit Card

• Collecting Play Points is easy: use your Play.com Credit Card for everyday purchases such as buying groceries, filling up with petrol or even paying for holidays and you’ll be amazed how quickly your Points build up!
• Earn 2 Play Points for every £1 you spend at Play.com and 1 Play Point for every £1 you spend elsewhere.
• Receive 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening – you can redeem these Points for a £15 Voucher!*
• Visit Play.Com to see all the reward possibilities

Earn Play Points redeemable at Play.Com with the MBNA Play.Com Credit Card

Do you need to strengthen your credit rating?

Choose Barclaycard Initial and we’ll guide you through the whole process. It’s a great card with lots of useful benefits such as fraud protection.

• Strengthen your credit rating
• Enjoy a credit limit of up to £2,000 (minimum £250)
• Representative 29.9% APR (variable)
• Go Contactless – Make purchases of £10 and under in an instant wherever you see the Contactless symbol

To qualify for a Barclaycard Initial Credit Card:

• You looking to strengthen your credit rating or want to rebuild your credit history

• Are you 18 or over
• Do you have a permanent UK address for 3 months or more
• Do you have a regular income of more than £3,000 pa
• You must not already have a Barclaycard
• You Haven’t missed multiple payments on a credit agreement within the last 12 months
• You don’t have a CCJ (County Court Judgment) or IVA (Individual Voluntary Arrangement) and haven’t been registered bankrupt
• Aren’t a student (are you a student?)

Apply for the Barclaycard Initial Credit Card

Plus you can enjoy:

• 0% for the first 12 months on Sainsbury’s shopping*
• 0% for the first 10 months on all other shopping
• 0% for the first 10 months on balance transfers (+3% fee)

Find out all you need to know about the Sainsbury MasterCard

At Vanquis, we aim to understand individuals’ circumstances. We’ve already helped over 400,000 people in similar situations. We’ll consider you if you have a bad credit history, credit card problems, previous CCJ’s, or other credit issues. We’ll consider each case on its own merit.

If you’re new to credit, or have had bad credit in the past, you may be nervous about getting out of your depth. Vanquis credit cards provide manageable credit limits to help you stay in control. Our customer service agents are on hand should you have a concern – whether it’s a question about your account or a difficulty making a repayment, we’ll do our best to help.

Vanquis is a UK bad credit credit card provider that specializes in trying to help our customers build a better credit rating. So a credit card could be just a click or two away – why not apply online now?

The new Barclaycard Platinum card comes with 0% interest on balance transfers for 20 months from account opening (3.2% handling fee applies) and on purchases for the first three months.  An outstanding 20 months free interest, now that’s music to your ears. Looking for some breathing space? Think about going Platinum.

Click to find out more about the industry leading balance transfer Barclaycard Platinum Card.

The first step in applying for a credit card is gaining access to your credit score.  Once you know your credit score and how your score rates, you can then make the appreciate decision on the type of credit card you can qualify for.  In the UK, there are two major credit scoring companies, Experian and Equifax.  You can obtain your credit report and corresponding credit score from these two companies. The UK Credit Card Centre provides access to your credit report through both Experian and Equifax.

Once you understand your credit score, you can then decide on what credit card you can qualify for.  There are a number of credit card types; low rate cards, credit card that come with reward programs, cash back credit cards, and credit cards for people with less than ideal “bad” credit.

Choosing a credit card that fits your needs is what we are all about. We provide the tools and information necessary to make an informed decision on not only the credit card that best fits your desires, but also the credit card that fits your credit history.

The next step in choosing a credit card is to figure out what type of credit card you want. Credit Card within the UK are divided into five main categories

Balance Transfer

Balance transfer credit cards allow you to consolidate credit card debt onto one card, allowing you to shed yourself of high interest rates. And therefore saving you money. But initiating a balance transfer from a high interest rate credit card to a credit card with a lower interest rate is not void of pitfalls. You need to understand how a balance transfer works. And more importantly you need to understand the fees associated with the transfer. Many times there is fine print attached to the transfer that includes hidden charges. Some credit cards may charge a transfer fee that can be a percentage of the balance transferred. Be sure that there is a cap on the amount, or else a balance transfer in the thousands may end up costing you hundreds of pounds. Also, be sure the bank doesn’t charge a high annual fee, or joining fee. For additional details on the balance transfer credit cards, please visit Balance Transfer Credit Cards

Low Rate

Low Interest Rate credit cards offer introductory rates of up to 0% APR for anywhere between 3 to 12 months for when the credit card account is opened. This rate can, depending on the credit card company can apply to new purchases, cash advances, and balance transfers from other credit card account.Additional details can be found at Low Rate, Low APR Credit Cards

Rewards

Rewards credit cards are the fastest growing segment of the credit card industry.  Since everyone uses credit cards, it’s only natural to want the benefits of a rewards program from your everyday purchases.  Rewards programs come in a variety of flavors; cash back rewards, shopping rewards, travel rewards, entertainment rewards are just a few of the rewards program available.  If you use these cards in the way they are intended, they can prove to be very beneficial to your credit card purchasing.  Find out more about the Rewards Credit Cards we offer

Travel

Credit cards that offer travel rewards programs are reasonably flexible and might provide airline miles, points that are redeemed for hotel accommodation, or both. You earn reward points or airline miles whenever the credit card is used for everyday purchases. Credit cards used for travel related spending such as purchasing airline tickets or hotel reservations, a greater number of reward points are usually awarded. Reward points can be redeemed for airline tickets, hotel accommodations, car rental, or special priority treatment or upgrades while traveling. To find out more about Travel Rewards Credit Cards

Bad Credit

Worrying about your credit problems is not going to solve them. We promote credit cards for individuals with bad credit or simply put, less than perfect credit. Simply qualifying for a credit card will not help you build, re-build or re-establish your credit. The key to improving your credit rating and subsequent credit history is making on-time payments with all of your creditors and maintaining your account balances well below the credit limits. This is the key to changing your financial future, and fixing your credit history. To find out more, visit our Bad Credit Cards Cards section

So applying for a credit card should not be a dreadful experience.  At the UK Credit Card Centre we provide the tools, information, and credit cards that allow you to make informed decision on your credit future. So take the time to understand the process of applying for a credit card and you will make the correct decision. So visit the UK Credit Card Centre and start your credit card search.

Experiences and Offers:
MasterCard® Experiences and Offers opens the door to an array of valuable offers, upgrades, experiences and preferred access to suit your lifestyle. Escape from the daily routine and relax at a spa, go on a thrill-seeking adventure, or take in a round of golf with pro instruction.

Exceptional Travel Benefits:
MasterCard® cardholders enjoy exceptional travel consultant services, as well as valuable benefits, special upgrades, amenities, and truly priceless travel experiences from the Virtuoso international luxury travel network.

Concierge Service:
An expert concierge staff is available to assist World Elite MasterCard® cardholders with personalized recommendations and reservation assistance for dining, travel, entertainment, and a host of other services, 24 hours a day, every day of the year

Find out which MasterCard is right for you, UK MasterCards