Thank you very much! What I am afraid of is, approaching a number of online lenders and have them all check my credit rating which would ruin all the effort I have put into repairing it!

My bank advised me to look elsewhere for offers as I do not earn enough to get a card from them, less than £1000 per month. I would be happy to pay back large sums each month, say up to £300, if I could get such a loan. I have a local plumber who is doing me a good deal, I have quite a lot of work to put it in and British Gas are expensive. Npower I stay as far away as possible from.

My credit is no longer bad but I would be willing to pay a higherr rate of interest. I would certainly pay it back within 6 months, no probs. Is this still possible?

All card applications are subject to acceptance by the card issuer. Neither Moneysupermarket or posters to this forum can advise you on this.

Borrowing cash from a Credit Card at £2000 and not paying it back within say 6 months, may prove to be very costly. They may offer an interest rate for bad credit of say 35%, but if you don't pay back a hefty amount each month, I suspect that you would see the interest rate increase.

I would suggest seeking an alternative. Are there any specific schemes for boiler replacement where you can pay monthly over a period of time ? Some of the energy companies e.g Npower or British Gas may offer this.

Hi there! According to this site's credit card offers, I qualify for a card, having had bad credit in the past and rebuilt my rating. Is there a minimum amount you have to earn in order to qualify for one? Also, I need £2000 cash for a new boiler, can I take out this as a lump sum to pay for work, and pay it back monthly? Are there specific cards for this?

Thank you so much!