How can I improve my credit rating?

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What APR (Annual Percentage Rate) will I receive?: APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.
Will I get charged Late payment/Overlimit fees?: All credit cards charge you if your payment is overdue.
Will I have to pay interest each month?: You can avoid paying any interest by always paying your balance in full and on time each month.
How do I use Credit card cheques?: When you receive your credit card, you will also receive some credit card cheques in the post.
What is a Balance Transfer?: Transferring balances has become a popular and easy way to consolidate multiple card balances in one place, while simultaneously making significant savings on interest payments.

If you are having trouble getting credit, there are a number of measures you can take to safeguard your credit rating. Here we have listed some helpful hints here to keep you in credit:

If your credit card application is rejected, do not make repeated applications as each application you make is likely to result in a search of your credit report, and all these searches are registered for 12 months. Repeated applications will look bad on your credit report, so try and establish why your application was declined before making a further application.

Credit card companies will want to see your full credit history to help them make a decision, so it is extremely important to fill in your application completely and accurately, and provide accurate address details.

If you have had any county court judgments (CCJ) in the past make sure that the information on your credit report is correct and up to date. If you have paid a CCJ within one month then it should not appear on your credit report. An outstanding CCJ will make it considerably more difficult to get credit.

Make sure that you’re on the electoral roll as credit card companies use electoral roll information to confirm your address.

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