Blacklisted in the UK? You Can Still Get a Credit Card with No Credit Check!

If you have a poor credit history in the UK or have even been blacklisted (Credit Blacklist), getting approved for a traditional credit card can feel almost impossible. But the good news is that some credit cards don’t require a credit check (No Credit Check) – meaning you can still apply even if you have a low credit score or no credit history at all!

1️⃣ What Are No Credit Check Credit Cards?

A No Credit Check credit card means the lender does not run a hard inquiry on your credit history when you apply. These cards are ideal for people who:

✅ Have a poor credit score due to missed payments, defaults, or bankruptcy.
✅ Are new to the UK and don’t have any credit history.
✅ Have an unstable income (freelancers, part-time workers, etc.).
✅ Want to rebuild their credit after past financial difficulties.

The two main types of No Credit Check credit cards:
1️⃣ Secured Credit Cards – Require a deposit, help build a credit history.
2️⃣ Credit Builder Cards – Designed for people with low or no credit, offering a small credit limit that can improve over time with responsible use.

2️⃣ Best No Credit Check Credit Cards in the UK

If you’re struggling with poor credit, no credit, or have been blacklisted, here are some credit cards that don’t require a credit check and can help you rebuild your financial reputation:

Card Name	Type	Deposit Required	Credit History Needed	Benefits
Vanquis Bank Chrome Credit Card	Credit Builder Card	No	No Credit Check	Good for low credit scores, helps rebuild credit.
Capital One Classic Credit Card	Credit Builder Card	No	No Credit Check	Low credit limit (£200 - £1,500), good for first-time users.
Aqua Classic Credit Card	Credit Builder Card	No	No Credit Check	Ideal for people with no credit history, accepts low scores.
Loqbox Credit Builder	Credit-Building Tool	No	No Credit Check	Helps build credit history through savings.
Cashplus Bank Credit Card	Secured Credit Card	£200+	No Credit Check	Requires a security deposit, good for credit repair.

3️⃣ How to Apply for These Credit Cards?

1️⃣ Choose the right type of credit card (Secured or Credit Builder).
2️⃣ Apply via the official website of the bank or financial institution.
3️⃣ For secured credit cards, you’ll need to deposit money as collateral.
4️⃣ Wait for approval – most decisions take 7-14 days.
5️⃣ Use the card responsibly – making on-time payments will improve your credit score.

💡 Success Story:
James Taylor, from Manchester, struggled with a poor credit history after losing his job. He was rejected by high-street banks when applying for a credit card. However, he applied for a Vanquis Bank Chrome Credit Card, which doesn’t require a credit check, and was approved with a £500 credit limit.

By keeping his spending low (below 30% of his limit) and paying his balance in full each month, James improved his credit score by 120 points in just 8 months. Eventually, he was able to qualify for a mainstream credit card with a higher limit.

💡 This proves that even if you’re blacklisted, you can rebuild your credit with the right financial tools!

4️⃣ How to Rebuild Your Credit with a No Credit Check Card

If your goal is to repair your credit, a Credit Builder or Secured Credit Card is your best bet. Follow these tips:

✅ Always pay on time – Late payments will hurt your credit history.
✅ Keep your credit utilisation low – Stay below 30% of your credit limit (e.g. if your limit is £500, keep spending under £150).
✅ Keep your credit card open long-term – Using it for 6-12 months will significantly boost your credit score.
✅ Avoid applying for multiple credit cards – Too many applications in a short time can lower your credit score.
✅ Check your credit report regularly – Get a ** report** from Experian, Equifax, or TransUnion to ensure your details are accurate.

5️⃣ Final Thoughts

If you’ve been blacklisted, have a low credit score, or have no credit history in the UK, you can still get a credit card without a credit check.

🔹 Want to rebuild your credit? Go for a Vanquis Bank Chrome Credit Card or Aqua Classic Credit Card.
🔹 Prefer a gradual approach to improving credit? Capital One Classic Credit Card or Loqbox Credit Builder are good options.
🔹 Willing to put down a deposit for better approval odds? The Cashplus Bank Credit Card is a great choice.