Bad Credit Credit Cards | moneyfacts.co.uk

Is a credit repair card right for me?

Are you credit invisible or have you hit a road bump with your credit? Credit repair cards can help you to rebuild your profile, all you need to do is keep making repayments on time.

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Vanquis Bank Logo
Vanquis Bank Chrome Credit Card Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
29.5%
Additional Information
Can help improve your credit rating
Rates dependent on credit rating
£1,000 max limit on opening (may be increased later)
Go To Provider's Site
Representative Example: Based on a credit limit of £250.00 charged at 29.5% variable per annum for purchases. Representative 29.5% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £10.00 each month. or the total of any interest, default fees and charges plus 2.5% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.180%
APR 29.5%
For cash withdrawals
Monthly 2.180%
Annual 29.50%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly 2.180%
Annual 29.50%

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee 3.00% - Min £3.00
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Barclaycard Logo
Barclaycard Forward Credit Card Visa
Intro Rate For Purchases
0.0% for 3 months.
APR
33.9%
Additional Information
0% on purchases for 3 months
No zero% balance transfer offer
Start with a low credit limit that may later increase
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 33.9% variable per annum for purchases. Representative 33.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.462%
APR 33.9%
For cash withdrawals
Monthly 2.462%
Annual 33.90%
For balance transfers
Monthly 2.462%
Annual 33.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 2.50% - No minimum charge
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
NewDay Ltd Logo
NewDay Ltd aqua Classic Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
37.9%
Additional Information
24 hour customer service
High rate for cash withdrawals
Low credit limit. For people who've had credit problems in the past
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 37.95% variable per annum for purchases. Representative 37.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.717%
APR 37.9%
For cash withdrawals
Monthly 3.318%
Annual 47.95%
For balance transfers
Monthly 2.717%
Annual 37.95%
For money transfers
Monthly 2.717%
Annual 37.95%

Benefits and Features

Interest free days (purchase) 48
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £3.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee 3.00% - Min £3.00
Using a card abroad
European Union 2.95%
Worldwide 2.95%

Additional Information

-
Tesco Bank Logo
Tesco Bank Foundation Clubcard Credit Card Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
27.5%
Additional Information
Earn Tesco Clubcard points for spending on your card
Rates dependent on credit rating
Available to help rebuild your credit
Representative Example: Based on a credit limit of £1200.00 charged at 27.542% variable per annum for purchases. Representative 27.5% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £5000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 2.048%
APR 27.5%
For cash withdrawals
Monthly 2.840%
Annual 39.94%
For balance transfers
Monthly 2.048%
Annual 27.54%
For money transfers
Monthly 2.840%
Annual 39.94%

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 3.99% - No minimum charge
Cash withdrawal fee 3.99% - Min £3.00
Money transfer fee 3.99% - No minimum charge
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Barclaycard Logo
Barclaycard (Branch) Better Together 28.9pc Initial Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
28.9%
Additional Information
For customers new to credit
Available in branches of Barclays
Start with a low credit limit that Barclaycard may later increase
Representative Example: Based on a credit limit of £1200.00 charged at 28.9% variable per annum for purchases. Representative 28.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.138%
APR 28.9%
For cash withdrawals
Monthly 2.138%
Annual 28.90%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
HSBC Logo
HSBC Classic Credit Card Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
29.9%
Additional Information
Contactless payments up to £45
High APR of 29.9%
Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 29.9% variable per annum for purchases. Representative 29.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £6800.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.207%
APR 29.9%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 2.207%
Annual 29.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 2.90% - Min £5.00
Cash withdrawal fee 2.99% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
NewDay Ltd Logo
NewDay Ltd Amazon Classic Mastercard
Intro Rate For Purchases
0.0% for 3 months.
APR
29.9%
Additional Information
0% for 3 months on purchases
Rates dependent on credit rating
Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 29.95% variable per annum for purchases. Representative 29.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.207%
APR 29.9%
For cash withdrawals
Monthly 2.840%
Annual 39.94%
For balance transfers
Monthly 2.207%
Annual 29.95%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 5.00% - No minimum charge
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

-
Barclaycard Logo
Barclaycard (Branch) Better Together 33.9pc Initial Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
33.9%
Additional Information
For customers new to credit
Available in branches of Barclays
Start with a low credit limit that Barclaycard may later increase
Representative Example: Based on a credit limit of £1200.00 charged at 33.9% variable per annum for purchases. Representative 33.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.463%
APR 33.9%
For cash withdrawals
Monthly 2.463%
Annual 33.90%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
118 118 Money Logo
118 118 Money Guaranteed Rate Card Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
34.0%
Additional Information
No fees payable
High interest rates
Credit repair card
Representative Example: Based on a credit limit of £1200.00 charged at 34.0% variable per annum for purchases. Representative 34.0% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £8400.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 3.5% or £10.00 each month. or the total of any interest, default fees and charges plus 3.5% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 2.469%
APR 34.0%
For cash withdrawals
Monthly 2.469%
Annual 34.00%
For balance transfers
Monthly 2.469%
Annual 34.00%
For money transfers
Monthly 2.469%
Annual 34.00%

Benefits and Features

Interest free days (purchase) 51
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee No charge
Cash withdrawal fee No charge
Money transfer fee No charge
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
NewDay Ltd Logo
NewDay Ltd aqua Advance Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
34.9%
Additional Information
Possible rate reduction of 5% a year for 3 years
High rate for cash withdrawals
Low credit limit. For people who've had credit problems in the past
Representative Example: Based on a credit limit of £1200.00 charged at 34.95% variable per annum for purchases. Representative 34.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.529%
APR 34.9%
For cash withdrawals
Monthly 3.142%
Annual 44.95%
For balance transfers
Monthly 2.529%
Annual 34.95%
For money transfers
Monthly 2.529%
Annual 34.95%

Benefits and Features

Interest free days (purchase) 48
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £3.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee 3.00% - Min £3.00
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Note

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

Disclaimer

All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

Compare the best credit cards for poor credit

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • Credit repair credit cards can help you improve a poor credit score, providing you use them responsibly.
  • Also known as credit builder cards or cards for bad credit.
  • As they are for people considered ‘higher-risk’ in terms of credit, they charge higher interest rates than other credit cards.

What are credit repair credit cards?

Credit repair credit cards are also sometimes called credit builder cards or credit cards for people with bad credit.

As the name implies, these are a special form of credit card that enable people with a poor credit score to improve this over time. These cards typically have higher interest rates and much lower credit limits than other types of credit cards.

If you have been refused a credit card or other form of loan due to a bad credit score, then you may find that these are useful as a way of improving your credit score over time.

Credit cards for bad credit should not be used to access more credit and increase your total amount of borrowing. Their purpose is to show you can pay back your balance in full each month and it is this that boosts your credit score over time (subject to how you manage your other debts and finances).

Have you considered a bad credit loan?

Bad credit loans are for people with low credit scores, or who have little to no credit history. These loans typically have higher interest rates and greater restrictions than other loans however, they can be useful if managed responsibly. Compare bad credit loan rates today.

How do credit repair credit cards work?

Credit repair cards work under a simple principle: they allow you to demonstrate that you can responsibly manage a small amount of credit, and so improve a poor credit score over time.

Credit card companies use your credit history and their view on how affordable the credit card is for you to determine if they will accept you for a credit card. If you have no credit score or a low credit score, they may not accept your application.

This is why credit repair cards can be a good way to improve your credit score over time.

They are usually not suitable for large purchases or debt consolidation since the interest rates they carry are higher than other credit cards.
The best way to use credit repair cards is to make small purchases each month, which you then repay in full when you receive your monthly credit card bill.

You should never miss a monthly payment or this will have a decidedly negative effect on your credit score. It could even result in your credit rebuilder card being taken away.

Once your credit score has improved you can then you can apply for another credit card at a lower rate of interest or another form of credit.

What do we mean by bad credit score?

A bad credit score means your credit score is lower than most lenders will accept to give you credit. A credit score is determined by how you have previously managed your debts and you can find out more about this in our guide: How debt impacts your credit score.

Sometimes a low credit score can simply mean that you have never used credit before. A credit score requires you to have a history of using and paying back credit. If you have never applied for credit, then there will be no data to score you.

How do I know if I have a bad credit score?

You can quickly and easily find out your current credit score by using our FREE credit check facility. This enables you to check your current creditworthiness, identify any errors that might be unfairly reducing your score and find out your chances of being accepted for credit. You can also find some tips on how to improve your credit score here too.

Why would I need a credit builder card?

These are used by people who have a bad credit score or have not used enough debt to have built up a credit score. Credit builder cards are a way to improve creditworthiness.

While these cards can be used for purchases, it’s a good idea to make sure you can pay off the whole amount owed every month. This is because the interest rates on credit rebuilder cards are higher than on normal credit cards.

Spending carefully and then repaying the whole amount owed each month will steadily improve your credit score – demonstrating that you can use credit sensibly and responsibly.

Where can I apply for the best credit rebuilding cards?

To find the best deals currently available simply go to the table above.

Here you’ll be able to compare differing credit repair cards by annual percentage rate (APR), as well as take advantage of any special introductory deals being offered. You will also be able to apply directly for some credit repair cards here.

What should I look for when choosing a credit repair credit card?

There are three primary things to consider when applying for a credit repair card:

  1. Look for the lowest interest rate for purchases – just in case you fail to pay back your bill in full.
  2. Check the fees – some may charge late or missed payment fees.
  3. The minimum monthly payment – different cards will have different values for the minimum amount of your balance that you must pay back each month.

How does credit card interest work?

Figuring out how credit card interest works can be a complex and difficult task – the Moneyfacts guide, How does credit card interest work?, gives you an idea of the basics.

Why are the APRs on credit-building credit cards different to other credit cards?

Credit repair cards are offered to people who are considered to be a “higher-risk” than those borrowers with a better credit score. This means the credit card provider is taking a larger risk than with an ordinary credit card application. As this risk is greater, the credit card firm charges higher APRs than compared to mainstream credit cards.

Some credit cards have APRs that reduce over time as you become considered less of a risk.

What if I’m refused a credit repair credit card?

Being refused a credit repair card is a warning sign you should not ignore. If you have been refused, don’t be tempted to apply somewhere else – each failed application you make is logged on your credit history. Consequently, you can hurt your credit score even more by making multiple failed applications.

If you haven’t done so already, use our credit check guide to find out more about checking your credit score and how to apply for your credit file.

Worried about your credit card debt?

Read our guides and find 8 ways to improve your credit score, understand what is persistent credit card debt and how to free yourself from credit card debt.

What are the negatives about credit repair cards?

Credit repair cards are designed for people with a poor or no credit score, which means that these cards do not usually have the lowest interest rates or the same promotional offers available with other types of credit cards. However, some credit repair cards may offer a short introductory offer, such as a 0% APR for the first three months, etc.

Credit repair cards will often have higher interest rates than other credit cards, making them a more expensive way to borrow money. For example, other credit cards tend to have APRs of around 18% to 21%, while credit repair cards in comparison can have APRs of 30% to 45%.

If you are using a credit repair credit card to improve your credit, then it is important that you clear your balance every month. The shows the credit reference agencies that you are able to regularly pay back your debts and will steadily improve your score over time. In addition, the higher interest rates make these cards more expensive to use for balance transfers or to roll-over your balance over many months.

Never miss a repayment due on a credit repair card. Doing so will certainly worsen your credit score – it may even result in your card being suspended and your credit card provider demanding immediate repayment of your outstanding balance.

Pros and cons of credit score rebuilding cards

  • Enables you over time to improve a poor credit score.
  • Lower credit limits to reduce the potential for building up a larger balance.
  • Some cards offer cashback and rewards.
  • Interest rates are usually higher on credit repair credit cards compared to other types of credit card.
  • You must spend on the card and pay this back on time and ideally in full to start to improve your credit rating.
  • Not paying back the full balance each month will result in you building up a debt, which could adversely affect your creditworthiness.
  • Missing repayments will have serious consequences, including a negative effect on your credit score and the possibility of having the card withdrawn.

Moneyfacts tip

Moneyfacts tip nigel woollsey

Remember that you may not get the advertised APR for a credit repair card. Providers can and will increase when you apply this if they feel you are a particularly bad risk. This makes it even more important to make sure you pay off the total owed every month to avoid these eye-watering interest rates

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