| Getting the best deal on a credit card is not | | | | credit cards, credit agencies or banks for |
| always about jumping from one 0% APR card to | | | | loans, this will only dig the hole deeper for |
| another and getting a bad name for you. As | | | | yourself. The next time you apply for any |
| you will because the credit card companies | | | | type of credit it will be known that you have |
| are getting wise to this and are beginning to | | | | applied before and been rejected in the past, |
| refuse serial jumpers their credit card | | | | so they will find they're answer easier to |
| application. | | | | come by. |
| | | | |
| This though is not aimed at those who up | | | | For credit card advice please visit here |
| until now have found it easy to get their | | | | credit card advice |
| hands on any credit card that they choose; | | | | |
| this article is aimed at those who find it | | | | Get your credit rating background... |
| extremely difficult to get their hands on a | | | | |
| credit card at all and can only dream of | | | | What you should do is contact a credit |
| taking advantage of all the 0% interest deals | | | | reference agency, to see where you are going |
| that are out there. | | | | wrong and maybe find the reason why the |
| | | | credit cards are not letting you handle |
| Your low credit rating can affect your | | | | they're plastic. Ask the credit card company |
| application... | | | | who have refused you, which credit reference |
| | | | agency they use, this will normally be one of |
| This is down to the fact that many potential | | | | two the main ones which are Equifax and |
| credit card customers have such a low credit | | | | Experian. Once you have ascertained which one |
| scoring that the credit card issuers; see | | | | it is, you can write to them asking for a |
| them as too much of a credit risk. So they | | | | detailed run down of your credit history. |
| ultimately refuse issuing those with a low | | | | This will normally cost a couple of pounds, |
| credit scoring the cards, as they only want | | | | but will be a worthwhile practice to help you |
| those, who they see as profit making | | | | get your credit scoring back up. |
| customers. This can even happen to you if you | | | | |
| have no debt and never have had debt, as the | | | | Once that you have found out where you have |
| credit card lenders only go on credit | | | | gone wrong in the past, you can then begin |
| information that is held on you on their data | | | | working on getting your credit scoring up. |
| bases. So if you have no credit history, they | | | | You may wonder as how this can be done if you |
| will more readily refuse you one of their | | | | are not allowed credit, but by keeping your |
| cards. | | | | household bills up to date and paid on time, |
| | | | making sure that you can prove where you |
| What you have to remember though, is that you | | | | live, make sure that you are on the electoral |
| should not take your anger out on the credit | | | | role and make sure that you never lie on your |
| card company as you have no divine right to | | | | application for credit. These are all simple |
| expect them to let you borrow their cash just | | | | things and if followed through, you will not |
| because you want it, they have to be sure | | | | only find that your credit rating will go up, |
| that you are a worthy credit risk. To combat | | | | you will also be able to build on it and be |
| this, the first thing that you should not do | | | | able to one day get the best credit card |
| is to apply again and again to different | | | | deals and when you want them. |