Card issuers have a few basic requirements. Barclaycard’s include being over 18 and employed, earning at least £3,000 per year, and having not been made bankrupt in the last six years.
You’ll also need to prove where you live and show that you haven’t been missing bill payments. If you have all that ticked off, then the next most important thing is having a healthy credit history.
This can feel like a catch-22 – how do you build a good credit history if you can’t get a credit card? There are special credit cards with low limits that are designed to help you build your credit history, including the
Barclaycard Forward Card
. It has 0% interest on purchases for 6 months from the date you open your account, and 33.9% representative APR after the promotional period has ended.
Below is a representative example:
You may be offered a different credit limit,
representative APR
, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.
Most accepted customers get