Applying for a uk credit card no credit history can be difficult. Generally, you will have to fill out an online form, and lenders will assess this information and your credit history. Your income and regular outgoings will also be evaluated to see if you can afford the repayment amount.
Which card is easiest to get approved for?
However, using a credit card responsibly can help you build a better credit score and reputation. Be sure to stay within your credit limit and make your minimum payments on time. The APR on the account will vary, depending on your credit score and assessment. You can also use a UK current account to set up regular Direct Debit payments or make manual payments.
If you don’t pay your bills on time, your credit score will suffer. In some cases, lenders may decide to take you to court to collect their debt. This will reflect on your credit history, and it will stay on your record for six years. Moreover, lenders will also check your voter’s registration to make sure that you are the right address.
You should check if you can open a bank account in the UK through your home bank. This option may be cheaper than opening an international bank account. It also helps lenders see that you have a regular income, which indicates that you can repay the credit.