Do you have a bad credit history due to missed payments on bills and loans? Or maybe a UK county court judgment (CCJ) is against you. Are you planning to get a credit card to put your credit record in order? There are a number of credit card companies offering the best deals for people with a bad credit history. Admittedly, finding a credit card when you have a poor credit record may be difficult, since most credit card institutions tend to not accommodate anyone with a bad credit history. However, there are some companies in the UK that offer credit card deals aimed at people with poor credit ratings.

If you have bad credit and are looking for a UK credit card, you may be offered higher than ordinary interest rates. This is because companies that offer bad credit cards need to insure themselves from people with a history of not making payments or making them late. Since you have bad credit, you should do your best to start building a better credit history. You can do this by making your monthly payments on time. This way, you will eventually qualify for a better credit card deal with a better rate.

If you are looking for new UK credit card, but fear that your credit card history will drastically narrow your chances, there are a number of credit card institutions in the UK that can help you overcome your poor credit history. Do your research on which UK credit card company will fit your needs and your credit rating. Look for the lowest rate possible, and plan to make larger payments on time to improve your credit standing. To help you find the right credit card deal, you can also utilize credit card comparison services.

UK Credit Cards provides detailed information on UK Credit Cards, Bad UK Credit Cards, Guaranteed UK Credit Cards, UK Credit Card Rates and more. UK Credit Cards is affiliated with Card Credit Interest Balance Transfers.

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Online secured low interest rate credit card comparison is an excellent way to rebuild your credit. A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. In general, these credit cards require the cardholders to deposit between 100% and 200% of the total amount of credit desired. For example, as an estimate, if the cardholder puts down $1000, he or she may be given credit in the range of $500 to $1000.

Some of the credit card issuers also offer incentives even on their secured card portfolios. In these cases, the deposit required may be significantly less than the required credit limit and can be as low as 10% of the desired credit limit. You can choose your option that caters to all your needs by a good online secured low interest rate credit card comparison.

However, you must remember that as in regular credit cards the cardholder of online secured low interest rate credit card is expected to make regular payments. If the cardholder defaults on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit. Secured credit cards chosen with an online secured low interest rate credit card comparison are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. Online secured low interest rate credit cards are often offered as a means of rebuilding one's credit. What is more, secured credit cards are available with both Visa and MasterCard logos on them.

John Gutenburg has written many more articles about banks and loans.

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Nowadays, the trend of making payments with bank credit cards is rapidly increasing. But having too many bank credit cards can create a negative impact on the credit score of the person. If a bank credit card is no longer in use, it is better to cancel it. When a bank credit card is lost or stolen, it is better to cancel the credit card in order to avoid fraudulent use of the card.

Before canceling a bank credit card, one should check whether any balance remains to be paid for the particular bank credit card. Notify the bank about canceling a bank credit card only after paying off the balance amount completely. Otherwise, some banks increase the interest rate if the cardholder tries to cancel while a balance still exists.

Canceling a bank credit card can be done either by sending a letter to the bank or notifying the bank of the cancellation by phone. The request letter should contain the name, address, and account number of the cardholder. Always keep a copy of this letter to avoid future problems. On accepting the request, the bank sends back a notice, either on the same day or the next day. The rewards on the credit card as well as bank machine access stops upon cancellation of a bank credit card. Moreover, the convenience checks issued by the bank are destroyed.

After canceling a bank credit card, the person must get a copy of the current credit report and make sure to verify the credit score. The cancellation of the credit card must be reported correctly in the credit report.

It is always advisable to keep the bank credit card when the person is planning to take a vehicle loan or mortgage. Canceling a large number of unused bank credit cards can also adversely affect the credit score.

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