QuizToon: Hi all  A few years ago I had a bit of a mishap and ended up with a bad credit history on the credit reference.  I did have a credit card at the time and found that buying things on the card and then paying the card off in full helped to speed up the repair process.  I purchased small items that I would normally have ...

No credit check unless thats changed in last couple of months. Its a "basic" bank account. As for where the nearest branch is try phoning them on 0800 20 21 22 All the info on the account is on there site just click on current accounts, then it has a few different ones and one where it says 16 or over readycash next to it click on that ...

Have you tried the yorkshire/clydesdale bank?  They do a readycash account, no credit score although i think you cant be prev bankrupt and need to be on the electoral roll. I opened it a while back when i was *** off with halifax but then got the IF account so have not really used it. Comes with a Maestro card, not solo or electron, a full ...

Agree I have been with them for over 10 years and have had enough, I dont mind using the machine, but its nice to have the choice. I take it you guys hold the cardcash account,The amount of time it takes for a cheque to clear is ridicullous in this day and age. Had a couple of defaults 5 years ago and they kept saying they can upgrade me but ...

Does it stay on your file for 6yrs like defaults etc?  Maybe you need to wait till next year.

Being an additional card holder on to someone elses card doesnt do anything for your credit rating, how you use the additional card just goes for/against the main card holder/

Aqua card or Barclaycard initial.

Your options are:  Capital one Barclaycard Initial Vanquis Aqua.  One of these four will give you a card. Someone mentioned about capital ones staff being rude, only a problem if you have to speak to them. I never have to speak to my credit card company, just once when i got the card to activate it,. They send me a statement and I ...

Egg have quite a high lending criteria, or they used to anyway. Try your own bank? I just got accepted by Alliance & Leicester and my rating is not great try them maybe. Or can you increase your mortgage so there is money left over ?

Have you tried the Alliance & Leicester? Im in similar situation as you and applied earlier this week and have been accepted for £3k.