Struggling with a low credit score and need a practical way to rebuild your credit? The Uswitch Bad Credit Credit Card Comparison service offers access to tailored credit cards even if you’ve faced previous financial challenges.

This independent platform lets you quickly check your eligibility for credit builder cards without impacting your existing score. Interest rates are typically higher than standard cards, while credit limits start low to help manage borrowing responsibly. Some providers include extra perks like purchase protection and the possibility of credit limit increases with a positive repayment record.

Interest Rate & Credit Limit Highlight: Typical APR is higher, reflecting the increased risk. Limits start at £200 and can go up to £1,500, with most applicants accepted even with poor or limited credit histories. Usage and repayments are reported to main credit bureaus, supporting your credit rebuilding journey.

How to Apply: Step-by-Step Guide

• Check your eligibility using the Uswitch comparison tool—no score impact.
• Review your personalised card matches and select one that fits your needs.
• Complete the online application form directly with the chosen card provider.
• Wait a short period (decisions are often quick) for your approval result.
• If accepted, receive your card and activate it to start using it responsibly.

Key Advantages

Cards for bad credit from top providers are designed to help you rebuild your credit over time. Making on-time repayments will have a positive effect on your credit score, opening more borrowing opportunities in the future.

Another central benefit is that you can avoid rejection by using the soft-check eligibility tool before a formal application, which means your credit profile remains undamaged even if you’re not eligible for certain cards at first.

Important Limitations

The main drawback is the higher interest rate—typical for credit builder cards. If you can’t pay your full balance each month, the cost can rise significantly.

Additionally, starting credit limits are intentionally low, limiting spending power but also helping prevent unmanageable debt. Perks are also fewer compared to mainstream cards.

Verdict

For those in South Africa looking for a transparent and accessible way to compare UK credit cards designed for bad credit, Uswitch offers an independent, risk-free approach. Responsible card usage and following the simple approval process can unlock the path to an improved credit score—and better financial opportunities ahead.