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Post by cyclone on May 27, 2019 8:51:00 GMT
Before you get one of these bad credit credit cards, there are a few things you need to know. Get this wrong and it can cost you large, so please read the following (even if you only have time to read and remember the headlines, it should help protect your pocket).
The Aqua Advance* card rewards you for good behaviour by offering a £20 Amazon voucher after two months, and lowering your APR after a year (though you should be trying to pay IN FULL every month, so what interest you get shouldn't really matter).
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Post by dghsdfjh on May 27, 2019 8:51:29 GMT
The Aqua Reward* card is a good all-rounder for those with a less-than-stellar credit history. You get 0.5% cashback (max £100/yr) on all spending, but make sure you only do your normal spending on it and always repay IN FULL. It also offers fee-free spending abroad, so is a good option to take overseas – though you'll pay a charge for withdrawing cash so don't use the card for that.
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Post by bewitchedramp on May 27, 2019 8:52:06 GMT
The Aqua Reward* card is a good all-rounder for those with a less-than-stellar credit history. You get 0.5% cashback (max £100/yr) on all spending, but make sure you only do your normal spending on it and always repay IN FULL. It also offers fee-free spending abroad, so is a good option to take overseas – though you'll pay a charge for withdrawing cash so don't use the card for that. Repay in full before the end of the 0% period to avoid interest, then pay off IN FULL every month. Plus, don't miss a payment or bust your credit limit as you'll be charged a fee and get a mark on your credit file |
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Post by cyclone on May 27, 2019 8:52:18 GMT
If you've tried the eligibility calculator, or applied for any of the cards above and you can't get them, it's likely your credit score won't permit you to get any card. In this case, you have a few options – you can wait until your bad credit history is less recent and try again, you can try a special 'credit-builder' prepaid card, or you can take out what is effectively an interest-free loan.
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Post by fgdsafhs on May 27, 2019 8:52:41 GMT
If you've tried the eligibility calculator, or applied for any of the cards above and you can't get them, it's likely your credit score won't permit you to get any card. In this case, you have a few options – you can wait until your bad credit history is less recent and try again, you can try a special 'credit-builder' prepaid card, or you can take out what is effectively an interest-free loan. With the products below, if you've had past credit problems it's hard to quantify how much of a positive effect using them would have in comparison to waiting for a year before applying for credit. However, if you've not had any credit before and want to make a start, these may have the impact you're looking for. |
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Post by bewitchedramp on May 27, 2019 8:52:52 GMT
You choose an amount you can afford to save from £20-£200 a month. When you sign up, you get a loan for 12 months' worth of your chosen amount which buys a Loqbox – a sort of digital voucher – upfront. You then 'repay' your chosen amount each month. In actual fact, your cash builds up in a ring-fenced Lloyds savings account, and you get it all back at the end of the 12 months – though you don't earn any interest.
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Post by ghhhh on May 30, 2019 16:30:48 GMT
It is essential to have a comprehensive knowledge on the subject of credit as a whole. Credit refers to receiving something of value and then reassuring to pay for it later. This repayment is made after adding up the financial interest on the credit amount that is given by the lender.Credit money is used for everything ranging from clothing to food. Unfortunately to manage credit is not an easy task. People often end up getting buried under a heap of bills and end up with bad loans. bad credit loans |
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