Credit Cards Pundit

Is your credit history far from perfect? If you answered yes, then don’t feel bad you’re one of many in Ireland who have ran into issues with their credit at some point in their lives. Perhaps you’ve over spent and underestimated the amount of money that you would have to pay back, or maybe a situation arose where you just had to use your credit card. Whatever the reasons may be, having bad credit makes it harder for you to take out loans and apply for new lines of credit like a mortgage in Ireland.


Credit cards as you know have many features that are useful in modern life, cash is gradually becoming a thing of the past as transactions are almost always processed through digital pathways. Not only does having a credit card make it easier to purchase various products, it also makes it cheaper; when you buy an airline ticket online you get around paying a commissioned fee set by Irish travel agents, if you went into a store and paid cash. It is convenient and with new technologies has become a safe way to deal with money.

What are my credit card options if I have bad credit?

If you have a low credit score and have found that no credit card provider that will accept your application for one of those great low APR credit card deals, don’t give up there is one way to obtain a credit card and work towards clearing your bumpy history.

Try and clear the ones you have already, make sure you pay off the minimum balance each month at least, keep at this, and you will eventually send signals to the credit lenders that you are a responsible spender and your credit rating will slowly improve. Yes it may take some time, but stick at it.

Once you have a rhythm going try and apply for a low APR, 0% balance transfer card, and transfer all remaining balances from other cards across.

Few providers offer these cards in Ireland, but there are some that still do, find these and you’re laughing!