If you have been turned down for a credit card because of your poor credit history, you are not alone. Traditional credit cards for bad credit can be restrictive and costly. Take a look at Polar Credit before you apply for a Credit Card.
At Polar Credit, we take a different approach. We offer a credit line - a flexible, transparent alternative to bad credit cards. You can draw funds when needed, repay at your own pace and reuse your credit limit without reapplying.
If your credit score is not perfect, we will still consider your application carefully and assess your situation fairly. We are a direct lender with a quick, easy and transparent process to help you navigate through financial strain.
Remember, we are on your side.
If you have searched online for a ‘credit card for bad credit’ or ‘poor credit credit cards’, it is likely that you already know how challenging it can be to get approved. Many lenders make decisions solely based on your past, not your present circumstances.
At Polar Credit, we understand that life doesn’t always go as planned. That is why our credit line gives you access to funds when you need them the most, without the high fees often associated with bad credit cards. You can apply for a Polar Credit line even if your credit history is not perfect and, if approved, you will have funds in your bank account in minutes. Our flexible credit line facility will grow with you as you manage it responsibly.
A line of credit is an ongoing, reusable source of credit that you can dip into whenever you need funds. It works similarly to a credit card, but we are more likely to reduce the interest rate that you pay over time. The credit line is managed online and no physical card is required. You can borrow only what you need, benefit from flexible repayment options and reuse your available credit once you have repaid what you owe.
With a Polar Credit Line:
Many people apply for a bad credit card hoping to rebuild their credit score, but bad credit cards can often be associated with high interest rates, fees and low credit limits. Polar Credit offers a more flexible and transparent solution.
| Features | Credit Card for Bad Credit | Credit Line |
|---|---|---|
| Repeat borrowing | Ongoing access | ✅ Ongoing access |
| Hidden Fees | Sometimes applied | ✅ None |
| Access to funds | Card transactions only | ✅ Direct bank transfer |
| Builds Credit | Yes, with responsible use | ✅ Yes, with responsible use |
| Proactively reduces the interest rate you pay | No | ✅ Yes |
At Polar Credit, we don’t make lending decisions based purely on your credit score. We consider your current circumstances, affordability and repayment potential. Our market leading technology allows us to consider all aspects of your application, beyond just your credit history.
Our simple online application gives you an instant decision and tells you your approved credit limit straightaway.
Please complete our application form, inputting your personal details, employment information, income and expenditure. Once you have submitted the form, you will get an instant decision from us.
You will receive an immediate response and, if approved, your credit limit will be confirmed there and then. Funds can be transferred directly to your UK bank account instantly upon approval.
Make your minimum repayments on time and you can reuse your line of credit whenever you need it. Log in and move money directly to your bank account – typically within minutes.
Once your credit application has been approved, you can log into your online account anytime and transfer money straight to your bank. You can borrow as little as £25 or up to your available credit limit.
Funds are typically transferred within minutes, allowing you to cover unexpected costs quickly and easily. You can then use your debit card to make purchases, withdraw cash or pay bills – without needing a credit card.
Think of Polar Credit as your online credit facility – flexible, accessible and always there when you need it.
If you are managing your account responsibly, your credit limit may increase over time. We regularly review accounts and reward customers who make consistent, on-time repayments. We will only provide sensible credit limits which make sense based on your individual circumstances. It can take time to rebuild your credit score, but responsible borrowing and repayment can help you to achieve this. Improved credit ratings can then make it easier and more affordable to borrow in the future.
We will never raise your credit limit without your consent, and we will always make sure any changes fit your financial situation.
At Polar Credit, we care about your individual circumstances so we will not use a generic credit scoring model to determine the outcome of your application. If your application for credit is not successful, don’t assume that your only option is to apply for a bad credit card elsewhere.
We understand that financial circumstances can change. You can contact us to discuss your application – we may be able to review it or suggest other steps to improve your eligibility in the future.
We will always treat your application fairly and transparently. Please understand that you may be asked to provide additional information to support your account review.
While credit cards for bad credit can help some people rebuild their financial profile, they are not the only solution.
A Polar Credit Line gives you ongoing access to credit, flexible repayments and transparent pricing – all without a physical card or annual fees.
If you are looking for a smart alternative to a bad credit card, apply for a Polar Credit Line today and see how our leading technology and simple approach can help you stay in control.
We know that living with bad credit can feel overwhelming. You might be juggling bills, unexpected expenses or simply trying to rebuild your financial confidence.
We are here to help you make informed, responsible borrowing decisions and we encourage anyone struggling with debt to reach out for free, confidential support from trusted UK organisations:
Using your Polar Credit account responsibly can also help rebuild your credit profile over time. Our aim is to help you work towards making future borrowing easier and cheaper.
A credit card for bad credit is designed for people with limited or poor credit history. It often has a low limit and higher interest rate, but regular, on-time payments can help improve your credit score.
You can check your credit score for free using services like Credit Karma, Experian or ClearScore. Checking your credit file with these providers will not affect your score. It is a good idea to check your rating regularly so you will have a good idea of what lenders will see when you make an application for credit.
When you apply with Polar Credit we will run a credit check to ensure we are lending responsibly. This search will appear on your credit report. Making several applications for credit in a short period can temporarily affect your score, so it is best to apply once you are confident you would like to go ahead.
If you manage your account well by keeping within your limit and making repayments on time, it can gradually help strengthen your credit profile.
Having a bad credit score does not need to last forever. You can improve it by paying bills on time, staying within your credit limits and using credit responsibly. Over time, consistent repayment behaviour can strengthen your credit score and give you more credit options.
Yes. A Credit Line from Polar Credit is one of several ways to manage your finances without the drawbacks of traditional bad credit cards or loans.