UK credit cards UK.

Credit cards for residents of the UK.
UK residents apply today with easy online applications!

UK credit cards UK. This page of credit cards consists of UK credit cards and credit card information, and is dedicated to UK residents only. UK residents can find some great offers and deals on UK credit cards. Apply for UK credit cards through easy online applications.

Some credit card providers allow you to effectively create your own type of UK credit card. Looking for instant approval? Looking for low interest? Check out the listed offers and deals for credit cards UK!

If you are looking for some great UK credit cards, and useful credit card information, then you can find it here. If you are not a resident of the UK, please check our other credit cards pages which are for US residents only. This page consists of UK credit cards only.

UK credit cards UK. Listed UK credit cards are available to residents of the UK only.

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UK Credit Report Information

The credit blacklist myth It has never seemed easier to borrow money, so if you do get turned down, the obvious question is “Why?” swiftly followed by the nasty suspicion, “Maybe I’m on a credit blacklist.” The good news is that you're not. In fact, there’s no such thing as a credit blacklist. But there is a host of reasons why you might be rejected. Your credit report has worried the lender. This unique, personal record of your credit history could show that you already have a number of loans and the lender may be worried that you will not be able to repay another. You will also find advice that will help you to improve your report. Click here for a free copy of your credit report from Experian You may not fit the lender’s profile.For example, a credit card issuer may only give cards to people who already have fewer than three, or a mortgage lender may specialise in first-time buyers. You are a non-standard credit risk. According to Datamonitor, the independent market analyst, more than one in five adults in the UK are deemed non-standard. They may include the self-employed, others who cannot provide sufficient proof of income and people who have an outstanding county court judgment (CCJ) against them or have had their homes repossessed for non-payment of mortgage. You move around. Credit companies look for stability – for example, living at the same address for at least three years or having a long-term relationship with the same bank. So, if you move around a lot or switch banks often, this may tell against you. Your credit score wasn’t high enough. Lenders generally base their decisions on a credit score, which they calculate using the information in your credit report and your application. Every lender has a different formula which can even vary from one type of loan to another. To get an idea of how lenders may regard your application you can become a member of CreditExpert and order your National Credit Score for just £4.99. It is based only on the information in your Experian credit report, so it will not be the same as the one generated by a lender, but it will give you a good idea of what they may think. Click here to find out more