The Rate Tart

Compare Bad Credit Rating Credit Cards

If you have failed a credit check, its worth finding out why. Sometimes this is caused by fairly trivial mistakes. For example, differences in the way that your address is listed on the electoral role from the way it is listed by your bank.

If you have failed a credit check and want to know why, you can write to each of the credit checking agencies, enclosing payment of £2. Alternatively, you can get a free 30 day trail of Credit Expert From Experian. You can find out the reasons for your credit rating online and take steps to fix it.

If you need more information to decide which credit card is the best for you, then check out TheRateTart Guide to Credit Cards.


Bad Credit Rating CardsCard TypeTypical APR (Variable)Balance Transfer RateBalance Transfer DurationIntro Purchase RateIntro Purchase DurationCash BackRewards 
Capital One
Classic Card34.90%n/an/an/an/an/an/a 
Stay within your credit limit and make your payments on time and they increase your initial credit limit on your 4th statement.
Vanquis
Visa Card39.90%n/an/an/an/an/an/a 
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.