Getting credit cards and blacklisted – good or bad idea? Bad idea, right from the start. If you are already struggling with bad credit and are on the dreaded black list, why would you want to get yourself into even more debt by spending money that you don’t have? Getting debt advice is definitely something you should consider, and just remember that there aren’t many, if any, financial providers that will be willing to give you a credit card with the finance record that you have. It really would not be a wise decision for someone in your situation to go and apply for further borrowed finance.
If you still need some convincing regarding getting credit cards and you are blacklisted, think of your belongings being repossessed when you are unable to pay your instalments. If you are already on the black list a credit card will not be the only debt you have, so you are probably still paying off old debt, and now you want to bring new debt to the table? You are in need of some serious debt advice….Having a bad financial record is not the best feeling in the world, but once it is done and the bad credit is behind your name, there is little you can do to change it.
Finance providers are usually very strict about who they lend money to and who they let buy on credit, so even if you wanted to, it is not likely that you will get a card from a major provider if you are blacklisted. Spending money is not what you should be doing right now, but rather working on getting rid of your old debt and clearing your name.