Poor Rating Credit Cards

Poor rating credit cards are the ideal midpoint between prepaid cards and regular credit cards. Poor rating credit cards are aimed at applicants who are struggling to access credit or who are seeking ways to build up their credit rating.

You may have considered prepaid cards for their "no credit checks" policy but if you need a bit extra than a prepaid is able to offer – in other words, access to a line of credit – then poor rating credit cards are worth a look. The key difference between a poor rating credit cards and regular credit card is that the poor rating card allows applicants with poor credit histories. Look out for "credit builder" facilities as these are a great advantage.

Company	Issuer	REPRESENTATIVE APR	Credit Limit	Rebuild Credit	Chip & Pin	Cash Back	Balance Transfer	New Purchase	More Info
RISE Credit Card		303%	£300	No	Yes	N/A	0%	0%
	The Rise Credit Card charges you a single monthly fee of £10 per £100 borrowed or part thereof, there is no interest or default charges on the account. There is also a cash advance feature which will enable you to apply for a cash advance of up to £250 to be deposited quickly and directly into your bank account. Representative Example: If you spent £300 on a purchase transaction at the start of your agreement, incurred monthly charges over 12 months of £330 and made repayments by 12 equal instalments, your APR would be 303% representative (variable).
Aqua Credit Card		35.9%	£2,200	Yes	Yes	N/A	39.5%	39.5%
	With the Aqua Card, one of the most popular 'credit cards for bad credit' no interest will be charged on purchases if every statement balance is paid in full by the payment date. There is no annual fee with this card and you have a sensible credit limit of up to £2,200. In addition there is a friendly 24-hour customer helpline and an attractive MasterCard acceptance in 24 million places and 600,000 cash points around the world. Representative Example: Assumed borrowing of £2,200; Representative 39.9% APR (variable); Standard interest rate for purchases: 35.9% p.a. (variable); Address: First Floor, 11 Tower View, Kings Hill, West Malling, Kent, ME19 4RL.
Capital One Classic		34.9%	£2500	Yes	Yes	No	N/A	N/A
	The Capital One Classic Credit Card is great for people who want to build or rebuild their credit rating. They have a low, easy to manage credit limit from £200 and you can choose your own credit card design. Representative Example: Assumed borrowing of £1,200; Representative 34.9% APR (variable); Standard interest rate for purchases: 34.94% p.a. (variable) Address: Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Vanquis Credit Card		39.9%	£1000	No	Yes	No	Balance transfers are subject to prior approval.	56 days interest free.
	The Vanquis Visa has helped over 800,000 people build their credit! This card is designed for people with no credit history in the UK or who have previously had bad debt or have bad credit rating. There is no annual fee to pay and free fraud monitoring on your account. Purchase annual interest rate 39.94% (variable) Amount of credit £1000 Representative Example: Assumed borrowing of £1,000. Representative 39.9% APR (variable); Standard interest rate for purchases: 39.94% p.a. (variable). Address: Colonnade, Sunbridge Road, Bradford, West Yorkshire.