Can you get poor credit history credit cards?

Are poor credit history credit cards available? Can I get hold of one? I am sure that many of us have asked these questions at one time or another. Well, poor credit history credit cards don't exist as such. You need to improve your credit rating before the credit card providers will be willing to issue you with a new card.

If you are wanting to get poor credit history credit cards, you need to consider your credit score, credit history and your credit rating. These three areas are all taken into account when credit card providers issue poor credit history credit cards.

Your credit score is created by looking at the information you have put in your credit application, your credit report and your credit rating. All this information will enable the credit provider to decide whether or not to give you credit, how much you get and the interest rate.
Your credit history is exactly as it sounds. In order to help credit card providers decide who to issue poor credit history credit cards to, the credit reference agencies look at how you have managed your finances in the past, including any loans, mobile phone contracts and credit cards you have or have had.

Finally your credit rating is a score that you are given, which is made up of your credit history and other information, including whether or not you have had CCJs issued against you and so on.

So as you can see, card issuers look at a lot of information before issuing poor credit history credit cards. In order to improve your score, you must take some important steps. You must register on the electoral role, so the card providers can check out exactly who you are. Secondly, you must cancel any unused credit cards and finally you must try to pay off any loans and balances on existing credit cards. If you have defaulted on payments in the past, it's really important that you build up a certain amount of trust with the card providers before they will even consider issuing poor credit history credit cards.

It is also worth taking into consideration that card providers will not issue poor credit history credit cards if you have applied for a lot of credit cards, loans and mobile phone contracts all at once. Take your time, improve your credit rating and eventually your poor credit history will be a thing of the past.



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