Bad Credit? Get the Credit Card you Want and the Credit Card you Need!

by: admin - February 28th, 2011   Filed under: Credit Repair, UK Credit Cards
So you have bad credit, millions do, and more importantly millions did.  Yes million of people have taken the steps necessary to improve their credit history, and credit ratings.

Before you start to improve your credit rating, it’s critical to find out why your credit is in the state that it is. If you don’t know why your credit is poor, then you must ask to see your credit reference file to find out.  At the UK Credit Card Centre we can help you in your quest to understand your credit score. 

Once you have a good understanding why your credit score is poor, or bad, there are a number of simple steps you can take to help improve your credit rating and start to rebuild credit history and score:

  • Make sure you are on the electoral roll. It only takes a few minutes to register with your local council and it will help to improve your credit score over time.
  • Always pay bills when they are due. This will begin to improve your credit history and score and will again give you an improved credit rating over time.
  • Do not apply for too much credit.  The number of times you apply for credit, either credit cards or loans can have a negative effect on your credit score. Every application for credit is logged into your credit file.  Too many credit applications in a short period of time may not help your credit rating.
  • The truth matters.  When applying for credit never give false or misleading details.  Always tell the truth.  If there are inconsistencies with past credit applications or details that are held on credit checking systems differ from your application it will affect your credit score.
  •  Start to build a credit history over time and when you check your credit reference file you should find an improved credit score.  Remember good credit will not occur over-night, but if you take the time to fix your credit blemishes, your score will improve over time.

So how can you improve credit ratings if you can’t get credit?  Credit card companies like our Vanquis and Capital One are specially designed for people with bad credit, or for people that have credit that needs help.  Even if you have been turned down by other credit card companies, you may be able to qualify for cards designed to improve credit.

As long as you manage the card properly, stay withn your credit limits and pay promptly, this is a good way to build credit history and to improve your credit rating.  Take the time to understand how to build good credit, and you will start down the road of financial freedom.  To find out more about cards designed for people with bad credit, Please visit our site UK Credit Card Centre for additional details.

Article Source: http://www.articlesbase.com/credit-articles/bad-credit-get-the-credit-card-you-want-and-the-credit-card-you-need-1768087.html

About the Author

At the UK Credit Card Centre our primary purpose is to provide personal financial solutions. Choosing the credit card that is best for you is rather simple. What’s not simple is the effort that is needed. That’s where we come in, we provide the tools and information necessary to help you find the credit card that is right for you

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Compare All The Low Rate Credit Cards In The Uk

by: admin - February 5th, 2011   Filed under: UK Credit Cards

So you are stuck in a credit card with an interest rate that keeps moving up.  If you want to move to a card that has a more reasonable rate, then you are at the right place.  The UK Credit Card Centre promotes a variety of credit card that have low interest rates associated with them.

We all use credit cards. The ease and convenience of credit cards is part of everyone’s financial day to day activities. So it’s obvious that we all want to reduce our costs associated with the use of credit cards. Although there are many way to reduce your credit card costs, the easiest way is to apply and qualify for a low rate credit card. You can save hundreds each month with a low rate card. When you transfer credit card balances from one card to another to take advantage of low introductory or promotional rates can result in significant reduction in interest or finance charges. Similarly, financing purchases with low introductory or promotional purchase rates can result in significant interest savings. At the UK Credit Card Centre, we offer many credit cards with low interest and low APR rates.

 The MBNA 6.7% American Express credit card offers a low 6.7% rate on your purchases, balance transfers, and money transfers.  Plus this without fees (transfer must be made within first 60 days).  With the MBNA 6.7% American Express you also get access to a fantastic rewards programme where you earn when you spend.  Redeem rewards for flights, cash, shopping vouchers and much more. Find out more about the MBNA 6.7% American Express Credit Card.

 The Barclaycard Simplicity Credit Card is another example of a low rate, low interest credit card targeting the UK market.  Barclaycard, a leader in the UK credit card market, offers the Simplicity card with a very low 7.8% interest rate.  So if you’re tired of having to find a new credit card each time the promotional offer on your current card ends, let us make life simpler for you. This card offers one low rate – 7.8%, applies to every purchase and/or balance transfer you make.  The Barclaycard Simplicity card not only offers a low rate, but also unparalleled benefits including Identity Protection Service, safe shopping with Fraud Protection, purchase delivery protection, emergency help when traveling abroad, and great holiday deals with our Travel Service.  Learn more about the Barclaycard Simplicity Credit Card.

To wrap up our discussion on low rate, low fee credit cards in the UK, we decided to include the MBNA Rate for Life Visa Card.  This card offers a promotional low rate on balance transfers and money transfers – 5.9% for the life of the balance.  This card is ideal for rearranging your finances and consolidating loans.  This promotional rate does come with a 2% transfer fee.  To learn more about the MBNA Rate for Life Visa Card.

Like all credit card decisions, you need to take the time to understand the interest rates and fees associated with each of the card.  To find out more, please visit the UK Credit Card Centre

Article Source: http://www.articlesbase.com/credit-articles/compare-all-the-low-rate-credit-cards-in-the-uk-2003113.html

About the Author

At the UK Credit Card Centre our primary purpose is to provide personal financial solutions. Choosing the credit card that is best for you is rather simple. What’s not simple is the effort that is needed. That’s where we come in, we provide the tools and information necessary to help you find the credit card that is right for you. Visit our site to find out more, UK Credit Card Centre

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