Commonly asked questions about getting a credit card with bad credit

Want to know more about applying for a credit card with a low credit rating? We've answered some common questions below.

  • You’re most likely to be approved for credit cards for bad credit. These are designed for people with a poor credit history to help them rebuild their score while borrowing a small amount. However, which provider you can get a credit card from will depend on their criteria at the time you apply.

  • All credit cards work the same way, whether they’re for bad credit or not. Credit cards for bad credit, however, usually come with higher interest rates and are less likely to feature cashback offers or free balance transfers. These cards have been created to help those with a low credit score build it up again, with small amounts that they can borrow and pay off regularly to prove their creditworthiness.

  • If you are looking for a credit card to cover an emergency cost, then a short-term loan may be a good alternative. At Sunny, our loans range from £100 to £2,500 and can be paid back monthly, over 6 or 14 months depending on what you borrow, to spread the cost. If you want more information on our short-term loans, read our in-depth FAQs.

Comments from Sunny customers

We receive great feedback, every day, from our customers who enjoy our flexible loan amounts and helpful customer service. Take a look at our testimonials and Trustpilot score** when deciding if Sunny is the right choice for you.