Have you been trying hard to get a credit card, but keep getting refused?
If you are looking for an instant approval and high acceptance we can help you.
Say Yes to you getting the cards you have a chance with.
Say Yes to getting accepted to UK card companies.
Having a poor credit history, may not stop you from getting a much need credit card or lower interest rates.
Many think no credit checks is the only way to get a credit limit.
Looking for the cards that offer products to you with a poor history.
Each credit card has a different criteria, which works for some but maybe not for others. There is not really a card company that stands out to be accepting applications a lot more than others.
We show you all the finance companies and bring up the best deals at the time. This coupled with information on which ones are getting a higher acceptance percentage, we can then show you the offers where uou are less likely to get declined.
Like any form of credit, the provider has different ranges of customer that they are willing to accept.
Taking a step back and choosing to apply for the ones which can help, yet credit checks are performed on all the UK credit cards.
No they don't, at least with the mainstream cards anyway.
You will need a bank account with a direct debit and also in some cases a debit card to help with the credit check. Yor address where you are lining and also if you have been there less than 3 years, a previous address.
Employment and salary details will also be required at the time of application.
Generally an instant decision on your application is made. Sometimes you will find the retailer or card company may have to refer the application, in-which case extra checks will be made and a final decision givne to you later when they are complete and you will recieve correspondance via letter or email regards the results
When you sign up to a card it is a financial legally binding contract, to ensure both parties understand the terms.
In simple terms, you use the card and pay a monthly payment each month, if you have a remaining balance that month, interest is accrued at the agreements interest rate.
So as you can see the risk to the card provider / bank is high if you don't pay your bills, so expect this interest to also be high.
In some cases a card maybe offered with a period of time with 0% interest, this could be for a balance transfer or spendind. After the 0% period the agreed percentage of interest will then be added.
There are several card providers now, that offer their services to people with defaults, CCJ's or maybe even previously bankrupt, these will normally not include the offers of 0% but will give you an option to get a foothold and start building your credit rating.
Completing your application can be quick, easy and also you could get an instant approval. Technology now can perform a credit check on-line and even with out a deposit or any upfront payment you could be receiving your card in days.
This means you may be notified of your credit limit straight away too, giving you peace of mind.
When you are purchasing a product you may fin you have to pay a deposit but, with a credit card that would not have to be the case.
A credit check is used for many things, but one will be to stop fraud so, there are no UK credit cards at this time that will allow you to apply without a credit check.
There will be some card providers that have a certain criteria that maybe a bit more lenient than others and are aimed for people who have had a patchy credit history.
There are some that do ask the question of if you are on benefits or claiming any other things that could be taken into account for your total income to the household.
It may seem strange but yes you can get turned down even if you have a good score on your personal creit file.
There are many things that could effect this but the reason that pops up now most is affordability.
The banks also now look at sensible lending, so if they feel you maybe can't afford more credit, they may reject the application.
This decision may come about from the information you give at the time of the application plius also what they see you have already available to you by other lenders on your credit file.
There are several areas that you may be wanting to explore if you are struggling with declining credit checks.
A free credit report, enabling you to see your previous recorded issues and either contest or control.
Find out which mobile phones you have a chance of acceptance with, it will save your score if you don't apply blindlyBad Credit Mobiles
Looking to get a loan, who do you, there are many personal loan companies who do you have a chance with?
The 2 payment systems are bascially 2x different companies who manage the cards. Your credit or debit card will show which payment system runs yours.
Both Visa and Mastercard are accepted around the world.