Calling all those of you looking for credit cards if you have bad credit!!!

My bank (barclays) wrote to me today with a new credit card theyve produced for us with bad credit rating. You can pre-check if you’ll be eligable without it affecting your credit rating and then apply after that. Its 0% on balance transfers for the first 12 months but its 29.9% APR BUT you get a decision in 60 seconds and ive just been accepted. So i am going to build my credit on there and hopefully be able to finance my surgery with it

Very happy bunny

oh wow! how much did u get accepted for?? im not wth barclays so whats the deal? should i open an account? iv just had my Ba but i want some lipo now!!!

It still depends on your credit rating a little, but its a really good card to boost that, and the faster you pay the faster your limit goes up. I’ve only initially been accepted for £400 for the moment, But im going to buy a load of things on it and pay it at the end of the month and do that every month until the limit goes right up. Id give it a go if i were you. You dont have to be a barclays customer. its http://www.barclaycard.co.uk x

Which one is it? The ‘Initial’ one? Xx

i got accepeted fpr barclays platinum with a limit of £3500 so thats my boobies paid for… its 0% on purchases for a year works out about £300 a month minimum payments bout £85 and if for sum reason i dont pay it off in a year i can just transfer it to another card

Thats super duper! You must have had a fairly good rating then already? im just going to build mine up now x

But which one is it to build credit? There are loads! x

barclaycard initial! If you click on pre-application it can tell you if it thinks you may be eligable without touching your credit rating x

im only 24 and only work 20 hours a week so my credit ratings come from sumwhere lol but i had a loan out a few years ago to pay part towards veneers so im assuming i may of got good credit for that well and 2 store cards for work aswell haha but yeah seems like i good idea to apply for that cards and keep using it and paying it bak til the credit rating goes up, u dont even need to actually spend the mone u cud just draw it all out and pay it all bak in agen when you need too maybe x

im 21 hun! My cred rating is 690 at the moment. get yourself an account on creditexpert. tells you your credit rating and all the credit accounts you have opened and what is affecting your credit rating x

i keep saying ‘only 24’ then i read it myself and think OMG im 24 haha getting abit old now!! yeah ill have a look thanks xx

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