Looking for the best credit cards for bad credit in the UK? This comparison page will identify the current cheapest subprime rates on the market, as well as addressing other service areas such as customer support, eligibility, experience, user bases etc. As it stands, there isn’t a considerable number of direct lending options, but the choice is widened a little by affinity cards. The plan should be to make sure that any defaults, CCJs etc are settled. Moving forward, pick a solution from below and manage it well to build trust. With trust it may be possible to eventually qualify for leading prime rates, so long as any red markings have fallen of your report (takes 6 years).