Yes, if you use a credit card carefully over several months you could improve your credit record.

Paying back what you borrow on time looks good to financial companies even if you have had problems with debt in the past. They could then give you a better credit score when they look into your finances.

This will make it easier for you to get accepted for financial products like credit cards, mortgages and loans, and make sure you are able to get the best ones on the market.

What are credit building cards?

They are credit cards that might accept your application even if you have bad credit or no credit history.

They usually come with lower credit limits and higher interest rates than other types of credit card, meaning you will need to use the card sensibly to rebuild your credit record.

How to use your card

You are more likely to rebuild your credit record if you show you are a reliable customer by:

Avoid making things worse

You can harm your credit record if you:

Here is how to use your credit card so you can avoid fees and increasing what you owe.

Unable to repay in full?

You will have to pay interest if you do not repay your bill in full every month, so choose a card with a lower APR to keep your costs down.

Never had a card before?

You will have no credit history if you have never taken out any form of credit before, like a mortgage, loan or credit card. This can make it harder to get most credit cards.

Using a credit card can help to build your credit history as long as you use it carefully. Here is how to get your first credit card.

Credit building FAQs


Can I get accepted if I have had bad credit before?


Yes, the above cards or those designed for bad credit may be able to accept you and help you rebuild your credit record.


What happens if I am rejected?


Avoid applying for too many cards, which can damage your credit record. Instead focus on finding a card that will accept you.


Why does my credit record matter?


Looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.


How do I get my first card?


Here is how to find a card more likely to accept you even if you have never used one before and what you need to know about using credit cards.


How do I repay my credit card?


Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.

About our credit cards comparison


Who do we include in this comparison?


We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.