Compare Credit Building Cards

As a result of Coronavirus (Covid-19) some providers have put restrictions in place or temporarily withdrawn their products from comparison sites and/or the wider market, therefore we are temporarily suspending our credit card comparison service.

Credit Building Cards FAQ

For people with limited credit histories or bad scores, getting credit can be tricky. Whenever you apply for a credit card or loan, your lender will look at your credit history and your credit score to determine how much of a risk you'll be as a customer. If you've had debt problems in the past, county courts judgements (CCJs), or other financial issues, then your best bet may be to use a 'credit building' card designed to help you turn your score around.

Credit builder cards allow newcomers to the credit card market, and low-score individuals to improve their credit score. However, the amount of credit you are given may be less than with a standard card while the interest rate is much higher - which is why it's so important to use these cards carefully.

Can I be accepted for a credit builder card with bad credit?

What kind of credit limit can I get?

How can I make repayments on a credit builder card?

Will I need to make minimum payments?

How high are credit builder card interest rates?

What should I do if I'm rejected?

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.