Links on this page - CapitalOne Vanquis Aquacard Prepaid Card Comparison

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Credit Cards For Those With Adverse Credit

If you go back only a couple of years there was only really one main company prepared to issue a credit card to someone with less than desirable credit. Now as well as Capital One there are two more big players in this market, Vanquis and Aqua.

If you have had passed credit problems a credit card can be an excellent way to rebuild your credit and get some positive payment history. One thing to bear in mind with these cards is the extortionate interest rates due to the risk the lender is taking, anyone planning to take one on to rebuild credit are advised strongly to use it sparingly and pay the full balance each month.

If you don't trust yourself to use the card wisely, don't get one, and definitely never get a high interest credit card to dig yourself out of a hole, it'll just make it deeper in the long run.

If you just require a card for online transactions why not get a prepaid card instead, see further down the page for details.

Ade's Top Choice . . .

CapitalOne
CapitalOne have been in the adverse credit market for a long time so you do of course have the piece of mind to know they aren't a flash in the pan, this is the only one of the three who offer online account management which is a definite plus and as all have very similar acceptance and interest rates that is what make CapitalOne pip the other two the post.

CapitalOne Offer . . .

• no annual fee Up to £2,500 in spending power Credit limit increase A FREE choice of card design
• Spread your payments

The Interest on the Capital One Classic Visa is quite low compared to the Vanquis Card at 34.9% and their acceptance rate is high when compared to the Aqua card, the best balance we believe.

To visit Capital One Click Here Now

Vanquis
Vanquis offer The Vanquis Visa Card, the Vanquis Visa is ideal if you are new to credit, have a history of bad credit, have a bad credit rating (including CCJ's), are on a low income, work part time or are self employed. The vanquis card offers a high acceptance rate.

• No annual fee Up to 56 days interest free on purchases Free additional cardholder Free fraud monitoring Chip & PIN technology Visa is widely accepted in the UK and abroad Convenient for paying online and over the phone
• Friendly UK call centres

The Vanquis Visa Card is aimed directly at those with poor credit looking to rebuild their credit and has an interest rate to match at 39.9%

To visit Vanquis Click Here Now

Aqua
Aqua, part of SAV Credit Limited, specialise in only credit cards for those with a poor credit history and offer no 'high street' products. They are specialist lenders and take a closer look at your application to see if there's a way they can give you the credit you're looking for. They offer . . .

• no annual fee MasterCard accepted in 23 million places a sensible credit limit up to 51 days' interest-free credit on purchases
• a friendly 24-hour customer helpline.

The Interest on the Aqua MasterCard is probably more favourable to those with poorer credit at 33.9%, 6% lower than the Vanquis Abacus card but also probably slightly harder to obtain.

To visit Aqua Click Here Now