Compare Easy Credit Cards

How easy is it to get a credit card? That’s a good question and here we’ll try and answer that for you.

Not all that long ago, credit was relatively easy to come by – perhaps too easy some might say. Since the credit crunch in 2008 it’s fair to say that card issuers have tightened their lending criteria, simply having a credit card handed to you has become a thing of the past, but you can still get one.

At the end of the day though, whether a credit card is easy to obtain really depends on you, your financial situation and your credit history.

Why might it be hard to obtain a credit card?

Each provider has its own criteria, but in general, the people who might struggle to be accepted for credit include:

  • People who are unemployed or on a low income
  • Anyone with poor credit history
  • Those who have no credit history – meaning they have never borrowed money before

What should you do if you’re denied a card?

If you apply for a credit card and are turned down, resist the urge to apply for any more cards. Applying and being turned down repeatedly could leave a footprint on your credit history and make it harder to get a credit card with another provider.

Instead, your first job should be to check your credit history with one of the credit bureaus, such as Experian or Equifax. There may be an obvious mistake on your file that you can rectify. For example, your name may be linked to someone with a poor credit history just because they once lived at the same address.

You could also be one of the seven and a half million people who are not on the electoral roll. Lenders check this to avoid identity fraud, so adding yourself to the roll could help as you might be turned down until you are on it.

Which credit cards are easier to get?

If you’re struggling to get approved then you should look at why you’re being refused before you apply for any more. If it is due to a poor credit history (or no credit history) you might have more success applying for a credit building card.

If you’ve been bankrupt, have County Court Judgments (CCJs) or a low income, such a card might also be worth considering.

An advantage of taking out a credit building card and using it wisely is that you’ll prove yourself to be a sensible borrower. To do that, always stay within your credit limit and don’t miss payments. Be aware that if you don’t pay the balance off every month you will start to pay interest on the balance.

With a bit of luck, this will build or improve your credit score and give you the option in the future to apply for other credit in the future.

You should be aware that these cards generally have a lower credit limit and charge higher rates of interest on outstanding debt. Of course, if you clear the card each month this doesn’t matter, but beware of allowing debt to build up on the card. If you do, you could end up having to pay large amounts of interest.

How can I compare credit cards?

If you’re looking for a credit card, we can help you find one that will suit you. Go to our credit card comparison page and you’ll see a list of credit card deals available.

They’re shown in different orders depending on the type of card, for example credit building cards are ordered by Annual Percentage Rate (APR) whereas balance transfer cards are ordered by how much money you could save.

Where we order cards by APR, this tells you how much the card will cost you over a year, including both interest and any fixed/applicable charges that form a part of having the card. Each card will have different features, so while we can’t tell you which credit card is best, we can help you decide.

Which types of cards can I compare?

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