The Cashplus pre-paid "credit" card has a facility they call "Credit Builder" which may be of interest. It works by providing a loan of the yearly fees (£59.40 ) for the card which you then pay off instead of paying the monthly fee (£4.95 ). At the end of the 12 months you've paid of the loan and this is registered with the credit reference agencies. There's a link straight from the prepaid credit card section of this site. You don't need any credit history (or can even have a really bad history for that matter) to get one of these cards as they are pre-paid.