Newest Review: ... for students or those who want to start to establish their credit. They're a site that offer credits to those with starting out credit ... more
Card Review: Spot on so far
Member Name: bored_at_home
Advantages: Incredibly easy from start to finish, kind to poor credit
Disadvantages: High APR card with no rewards afaik
Quick Intro: I consider my credit rating to be 'poor', it's not that I have a history of bad credit, it's that I have no history of credit, especially at my current address.
Based on my circumstances I researched cards likely to accept me and like many others I was quickly directed to the 'capital one classic' card. It's main disadvantage is pretty obvious, 35%+ APR but I can honestly say I haven't found much to complain about since.
Signing up was painless, the PREVIOUS DAY I was rejected by the notoriously descriminate sainsburys credit card so I wasn't very hopeful but after completing a painless form I was accepted! With a four figure credit limit to boot. Virtually immediately I started to receive emails, not spam but a login for online banking! Within an hour I was into the online banking setting up a direct debit! I was very impressed with the whole process.
The card & pin arrived prompty, the pin was easily readable and the card looks like it could take a beating.
Activating the card was quick and easy, just involves saying 'NO' to PPI :)
So far everything is dandy, I will update this review with any problems I encounter.
Summary: Happy so far