Am looking for a credit card for a discharged bankrupt to start and build a new credit rating?
I was made a bankrupt in May 2002 and discharged in May 2005 at the stockport County Court. I am looking for a new credit start with a new credit card to enable me to rebuild my credit rating. I live with my wife who does have a mortgage and several credit cards.
Tags: bankrupt, build, card, County, court, Credit, credit cards, credit rating, discharged, Looking, May, mortgage, rating, Start, stockport, stockport county
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June 3rd, 2010 at 1:02 am
Why dont you start off being an additional card holder on one of your wife’s cards?
Capital One credit cards are easy to get. You wont get much of a limit on it but its a start.
June 3rd, 2010 at 1:04 am
Prepaid credit cards.
June 3rd, 2010 at 1:45 am
capital one or vanquis, you will only get around £ 250 to start with but its a start
June 3rd, 2010 at 1:50 am
get loan instead of credit card rate too high.if unsuccessful secure it against home try wife
June 3rd, 2010 at 1:55 am
Try Orchard Bank. They specialize in credit cards for people who have experienced bankruptcy or other difficulties. They will likely give you an unsecured card with a small credit limit to begin with. If you use it for small purchases and pay them on time faithfully, you’ll take a step toward re-establishing your credit.
June 3rd, 2010 at 2:01 am
Good luck mate, I doubt it.
June 3rd, 2010 at 2:18 am
ok, mine was a year earlier (may 2001- may 2004) but this is what I did.
Oct 2005 (so thats nearly 18 months after) I applied for a credit card with Capital One. They offered me one with a £200 limit but I had to pay a £200 deposit. I then used this to buy petrol with nd paid it off, in full, WITHOUT FAIL every month, sometimes twice a month.
This rebuilt my credit history so that after about 9 months I applied for a card from RBS, which I got allbeit with 1/2 the normal starting credit limit.
I now have 3 cards, the capital one card (keep thinking about getting my deposit back, but keep it because I cant spend too much on it), the RBS one that has my purchases on (like a new TV a few months ago) and a barclaycard I took out recently and used for balance transfer as my interest free period was up on the RBS one).
I think having a decent salary helped with my applications but as you can see it is more than possible.
June 3rd, 2010 at 2:47 am
Bad credit credit cards have been developed for people with poor credit and want to improve their credit rating. There are two types of credit cards: secured and unsecured credit cards. You have to choose between these two, based on various factors with the stable income being the crucial one.
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