Credit card deals that reward in more than one way

In today's tough times, many people suffer from being locked out of getting a good value credit card because the have a poor credit rating, many cards wit 0% APR are unavailable and as such, someone with a poor credit rating faces and uphill struggle to deal with their finances at rates that do not plunge them further into debt.

There is a way you can help yourself, read on…

Here is a simple way to improve your credit score:

First of all you need to see what lenders see. The best advice is to take out a credit check with one of the leading credit sites. There are several available. We recommend this free trial to get your report

Once you get this report, you will get a clear idea  of your credit score. This is important so you can understand what base point you are starting from. Here is our recommended provider of a free credit score trial to get the information

The next thing to do is take action that will cost you very little and start the road to recovery. Here is a good method:

Step 1

Take out a new credit card, don't worry if the APR is high, you will only use it for a small amount of money. We recommend the card below, the APR is reasonable (not ridiculous but certainly not on the low side, for the purposes of getting your credit score back, it is ideal)

Get the card here

Step 2

Now, and this is the critical part - you should make sure you spend a small amount each month on the card, eg: £5 or £10 max. It should be a small amount that you can absolutely guarantee to pay off each month.

Step 3

Call the credit card company and change their payment terms on your card so they take the whole amount each month - not just a % of it. The key thing to start the credit repair process is to pay off 100% of what you owe on your card, each month every month.

So in summary

1) Get your credit check to see where you start from - click here

2) Get a new credit card - click here

3) Call the card company and convert it to a 100% balance repayment monthly

5) Spend between £5-£10 per month and make sure it is always paid off in full

6) every three months check your credit score and see if it has improved

Here are the recommendations again - make a start now:

- Free Credit Check

- Credit Card 

Note: This advice is written by a partner, we do not endorse it or very its validity. I fyou use it and it helps, great. We are not responsible for the advice given.