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UK Credit Cards: Poor Credit / No Credit

No Annual Fee  No Annual FeeLow Interest Cards  Low Interest CardsExcellent Credit Score  Excellent Credit ScoreRewards Cards  Rewards Cards
Student Credit Cards  Student Credit CardsGood Credit Score  Good Credit ScoreShopping Discounts  Shopping DiscountsInstant Approval  Instant Approval
0% Balance Transfers  0% Balance TransfersFair Credit Score  Fair Credit ScorePre-paid Credit Cards  Pre-paid Credit CardsCashback Cards  Cashback Cards
Business Cards  Business CardsPoor Credit / No Credit  Poor Credit / No CreditCharge Cards  Charge CardsAirline Miles Cards  Airline Miles Cards

Poor Credit / No Credit Poor Credit / No Credit Credit Cards. There's nobody can explain the frustration of being unable to obtain a credit card unless you have actually experienced it (in brief, it is extremely frustrating). Nonetheless, you don't need to have a stack of county court judgements (CCJ's) to get refused credit. These days lenders are much more careful about whom they lend to, and your credit score is more important than ever. A couple of late payments on your mortgage, a missed credit card payment, a default on your car loan or an overdraft problem at the bank ... An accumulation of these seemingly minor issues can quickly add up to give you credit-rating problems, and it may not be long before you have problems obtaining any credit card at all.

However, all is not lost, and the credit cards we list below are ideal if you have poor credit history or even no credit history. Several of these cards are pre-paid credit cards, for which you are guaranteed acceptance, and several others are specifically designed for those with bad credit.

You may pay a higher APR with some of the cards designed for those with bad-credit, and - as with any offer for credit - you should always read the fine-print carefully. Nonetheless, using your credit card carefully and responsibly, you may be able to improve your credit score over time, at which point you'd be wise to switch to a credit card with a lower APR.

3V Vouchers - Prepaid Visa

3V Prepaid Visa
3V Vouchers provide an entirely new way to shop online, without needing to use your credit card or debit card. 3V Vouchers are disposable, prepaid VISA numbers that can be purchased by anyone who is aged 16 or over, with use of a mobile phone and an email address, and can be used to shop online, via mail order or over the telephone, just as you would do using a normal credit card. There are several obvious advantages to using this type of service, but most especially security, since 3V Vouchers negate the need for you to use your actual credit card or debit card.
3V Vouchers - Prepaid Visa Details of 3V Vouchers - Prepaid Visa

cashplus prepaid Gold MasterCard

cashplus
The cashplus prepaid Gold MasterCard is a prepaid, personalised, Chip and PIN MasterCard card. Much like prepaid anything else - mobile phone or phone card, for example - the cashplus card is a payment card that works in similar way; you first need to put money on to the card before you are able to use it. Therefore it's different to both a debit card and a credit card, since it is neither linked to a bank account nor do you pay for your transactions at a later date. However, you can still use your cashplus prepaid card anywhere that accepts MasterCard - which is at over one million cash machines and millions of retail outlets worldwide.
cashplus prepaid Gold MasterCard Details of cashplus prepaid Gold MasterCard

E-Platinum Plus Charge Card

E-Platinum Plus
E-Platinum Plus is a charge card provided by a company called E-Credit Plus. While it's not a company everyone will have heard of, the E-Platinum Plus card issued by E-Credit Plus does have benefits for some people, particularly for those unable to obtain credit cards elsewhere, for whatever reason. With a lifetime APR of 0% and no credit reference checks, and 100% guaranteed approval, the E-Platinum Plus charge card is therefore ideal for some people. The E-Platinum Plus card could therefore be a tool which those with less-than-perfect credit might wish to use to try and improve their credit record.
E-Platinum Plus Charge Card Details of E-Platinum Plus Charge Card

Post Office - Travel Money Card

Post Office
The Post Office Travel Money Card is one of the safest and simplest methods of taking your money abroad. There is no purchase fee and your Travel Money Card can be used in millions of shops and restaurants worldwide. In fact, your Post Office money card can be used anywhere that Visa Electron is accepted, including any ATM (i.e. cash machine) displaying the Visa logo worldwide. The card is, essentially, a pre-paid Visa card, but you can purchase the card in either euros, US dollars, or sterling. Secure, flexible, and convenient, the Post Office Travel Money Card is a great way to take control of your holiday currency.
Post Office - Travel Money Card Details of Post Office - Travel Money Card

Virgin Prepaid Mastercard

Virgin Money
Virgin Prepaid Mastercard, offered by Virgin Money, is an ideal card to have if you don't want - or need - a credit card, or if you are not able to obtain one because your credit rating is not high enough, or because you don't have a bank account, for example. The card can be used just as if it were a credit card, and can be used anywhere that MasterCard is accepted (including ATM machines). The difference between the Virgin prepaid card and a credit card is you load it up with money before you shop, instead of paying off your balance later, keeping both your budget intact and saving you interest charges at the same time.
Virgin Prepaid Mastercard Details of Virgin Prepaid Mastercard


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