Have you got a bad or ‘thin’ credit history? If so, you could benefit from the Barclaycard Initial Credit Card.

The Barclaycard Initial is ideal if you are new to the world of borrowing, for example if you are new to the country or have never used credit in the past, or are trying to rebuild your credit score because of past missed payments or other defaults.

If used sensibly, regularly using a Barclaycard Initial credit card and paying off the balance each month will help you to strengthen your credit rating.

The card comes with a typical APR of 27.9% (variable), which is actually very competitive for a card of this type, and will offer a minimum credit limit of £250. The maximum credit you could get with this card is £2,000.

What’s more, you can manage your account online and there’s no annual fee to pay.

Plus, you can opt in for Barclaycard to send you a text message 5 days before your payment is due so you are less likely to forget to make a payment, which should further protect your credit score.

You need to be 18 or over and have a minimum annual income of £3,000 to apply for this credit card.

Click the link for more information about the Barclaycard Initial Credit Card.