Ocean Finance is best known for its loan products, but it does also offer a credit card. This card is aimed at those with poor credit histories and, if used responsibly (by making repayments on time, not exceeding the credit limit and not going over it) can be an effective way of improving your credit rating over time. Refreshingly, this card has just one rate for all transactions (as opposed to some cards that have different rates for cash withdrawals etc). The credit limit on the card is based on your financial situation and can be reviewed twice a year.
