When I first graduated from university not only did I come out with a student loan debt, but I was also in debt from the general lifestyle of being a student in a major city. After working for a few years and paying off all my debts, I still had quite a poor credit rating, and so I found it difficult to get a credit card or any other type of loan product. I came across the Aqua credit card when I was doing some online research into building my rating back up.
The company specialises in dealing with customers who have been refused elsewhere, and they offer a way of building up your credit profile again, by proving that you can be responsible with the card and make the payments on time.
I found it invaluable in getting my score back to what it needed to be to get a mortgage and a new car on credit. I spent a couple of years just making small purchases on the card and paying them off responsibly. Yes the interest rate was astronomical, but I didn’t let my debts go on for too long without paying them off, so I managed to avoid incurring interest a lot of the time.