Applying For Credit Cards For CCJs


If you’ve recently been hit with a CCJ, it’s important to wait at least six months before applying for credit. This will allow you to begin rebuilding your credit rating and ensure you make your repayments on time. Applying too soon will send the wrong message and give the impression that you’re struggling financially.

What is instant approval credit cards?

It’s important to remember that you can contact your court to dispute your CCJ, negotiate for a more affordable payment plan, or have your CCJ wiped off entirely. However, keep in mind that this could have a negative impact on your ability to get credit in the future, so taking steps to dispute the CCJ is critical.

A CCJ will stay on your credit file for six years after being issued, and if you haven’t cleared it within this time, it will remain there. This will make it more difficult to qualify for a credit cards for ccj, as lenders may believe you’re more likely to default on repayments. Fortunately, there are lenders who will work with people with CCJs if you’re able to repay the debt in full.

There are several different types of credit cards available for people with bad credit, including unsecured cards. However, not all of these cards are created equal. Many come with high annual fees, which act like subscription charges for the card’s use. Some also charge account opening fees, which eat up your available credit and raise your credit utilization ratio. High fees also hurt your credit score and penalize you for carrying a balance.

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