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.