If you have been turned down for credit because you have never had credit before, you have defaults, ccj’s, missed payments, repossessions and other black marks against your name, don’t worry!  Some credit cards you can still get.  You will start with a small credit limit and a very high interest rate but because lenders can sell debt on to other lenders, even with lots of bad credit you can still get a credit card.

If you get a no credit check credit card and you keep up with the monthly minimum payments, you can show another lender that you are good for that money and you have regular income.  Getting a no credit check bad credit credit card can be you first step towards credit repair. 

Features of a typical bad credit credit card include no annual fee, a realistic credit limit,  upto 55 days interest free credit, chip and pin fraud protection, worldwide use where ever the visa sign is and free additional card holders.

To apply you must be over 18, a UK resident and have a land line telephone number, not just a mobile.  You may be asked about your job details but not always!

Such lenders are not that bothered about you being subprime in terms of your credit file, but they do work hard at protecting themselves from fraud so they do verify your address using voters roll and other ways too.

You may be asked to send in proofs of your identity that they will send back to you when they have looked at them, such as your passport or driving licence, your council tax bill, your gas, electricity or water bill.

You can stay in control of your credit card by using online banking and checking your balance online or by telephone, but sometimes they do use call queuing systems which does many you feel like you a worthless piece of vermin.