Applying for a credit card

If you are thinking of applying for a credit card, like 56% of people in the UK you may have been put off after the recession.

This might be for several reasons, not wanting to overspend, unwillingness to take on an extra payment each month, or simply the fact that you think your application would be rejected due to a bad credit file.

However, if you do a simple search online you will find reputable lenders who are willing to offer credit cards at decent rates despite your bad credit history or file. The application is quick and easy, all done online and you can usually receive an instant decision.

As well as credit cards, you can find payday loans or even bad credit loans which are ideal for people who need to rebuild their credit file. Online lenders are becoming more popular amongst the public as many high street banks are rejecting a large amount of applications.