Although the UK doesn’t yet allow credit card with bad credit that don’t require a credit check, there are some options available for those who have bad credit. One option is a secured credit card. This type of card does not require a credit check, but you will need to pay a deposit before being approved. There are also some card issuers who focus on providing credit cards for those with bad credit. These are called “credit builder credit cards” and can be easier to be approved for.
Does it hurt your credit score if you get denied?
Credit scores are based on how well you pay your bills on time and what you have borrowed in the past. A person with a poor credit score is likely to have a few late repayments or defaulted on some of their bills in the past. However, it is also possible to have a low credit score if you’ve never borrowed money before or are relatively new to the UK.