--- title: Improve your credit score and your financial future description: Discover how the Score Mastercard can help you improve your credit score and take back control of your financial future. image: https://www.scorebydnd.com/hubfs/Improve%20your%20credit%20score%20and%20your%20financial%20future%20with%20the%20Score%20Mastercard.jpg --- Responsive Navigation Bar - W3jar.Com [![Site Name](https://www.scorebydnd.com/hs-fs/hubfs/3-16hhhh-removebg-preview.png?width=100&height=123&name=3-16hhhh-removebg-preview.png)](https://www.scorebydnd.com/) - × - [![Site Name](https://www.scorebydnd.com/hs-fs/hubfs/3-16hhhh-removebg-preview.png?width=100&height=123&name=3-16hhhh-removebg-preview.png)](https://www.scorebydnd.com/) - [PERSONAL CARD](https://www.scorebydnd.com/personal-card) [BUSINESS CARD](https://www.scorebydnd.com/business-card) - [ABOUT US](https://www.scorebydnd.com/about-us) - [FAQ](https://www.scorebydnd.com/faq) - [BLOG](https://www.scorebydnd.com/blog) - [CONTACT US](https://www.scorebydnd.com/contact-us) - [LOGIN](https://card.scorebydnd.com/login) - [APPLY NOW](https://share.hsforms.com/16GdA72poQF-vOkA0fprDlA4j4hg) [![DND Finance](https://www.scorebydnd.com/hs-fs/hubfs/dndf/DND-Finance-logo-tagline-light.png?width=173&height=245&name=DND-Finance-logo-tagline-light.png "DND Finance")](http://scorebydnd.com) - [Default HubSpot Blog](https://www.scorebydnd.com/blog) # Blogs ## [Improve your credit score and your financial future](https://www.scorebydnd.com/blog/improve-your-credit-score-and-your-financial-future) Feb 22, 2022 8:09:45 AM / by [Bill Dost](https://www.scorebydnd.com/blog/author/bill-dost) - [Tweet](https://twitter.com/share) # Improve your credit score with the Score Mastercard Nothing is more frustrating than being rejected after applying for credit when you need it most, or being approved but at exorbitant interest rates. Unfortunately, poor financial decisions made in the past—even if they were not always your fault—can follow you for years, jeopardising your financial future.  The Score Mastercard was created specifically to help improve your credit score. If you have found it challenging to obtain credit products due to past credit mis-steps, this is the card for you. The Score Mastercard can help improve your credit score and allow you to focus on building a financial future you can be proud of.  The Score Mastercard is a secured card that was created by DND Finance founder, Bill Dost when he was denied a loan to fix his car over 20 years ago due to poor credit. Embarrassed, he became determined to alter the course of his life so that he wouldn't have to hear “no” again.  If he can do it, you can too.  ## Improve your credit score with the Score Mastercard Secured cards, like the Score Mastercard, are one the best tools for anyone wanting to improve their credit score. Safe to use, and with almost guaranteed approval, a secured card works like a regular credit card, reporting spending habits and repayment behaviour to all the main credit agencies to establish credit history, a key component required to improve your credit score.  There are many secured cards available in the UK so it’s important when choosing one to look at the pros and cons of each and determine which best fits with your financial situation and lifestyle.  ## Why the Score Mastercard? The Score Mastercard is the best solution to **safely and effectively improve your credit score**, regardless of your financial past. As one of the most affordable UK card solutions in the market, it will give you a fresh start and lowest APR in the UK, while helping you to avoid getting into dangerous consumer debt again. Not only does the Score Mastercard help improve your credit score and reach your financial goals, it lets you stay in control while doing it.  ### No Interest on Outstanding Balances Do you want to **make purchases without paying interest**? Done!  [Did you know?](https://themoneycharity.org.uk/money-statistics/) - The average British credit card holder pays **£846 a year in interest alone** - Brits carry an average balance of **£2,058** on credit cards Score Mastercard believes in charging **one monthly fee of £25** instead of charging interest. This means you save more money that can instead be used to pay down your debt and improve your credit score even faster! We also believe in transparency when it comes to any fees that have to be charged so you can find all the secured card fees laid out clearly and concisely [here](https://www.scorebydnd.com/how-it-works).  In short, the Score Mastercard secured card includes a simple, affordable monthly subscription fee. Consumers pay £25 monthly and corporate clients pay £50 per month.  ### Set your own credit limit Do you want to **set your own credit limit**? No problem, we will help you do that!  Unlike competitors, the Score Mastercard offers a flexible, cardholder-driven credit limit. You determine your own credit limit based on the amount of your security deposit, which is held at the Bank of England earning 1% interest until it is returned to you.  ### Choose your billing cycle  Do you want to **determine the exact day that you pay on your billing cycle**? Not an issue.  Unlike any other secured card, we let *you* choose your billing day so you can ensure it aligns with when you have the best cash flow to be able to pay it off!  ### Earn 1% cashback on qualifying purchases Do you want to **earn money while you spend**? Consider it done.  Why should rewards be a perk only of unsecured credit cards? We believe everyone deserves to be rewarded. Plus, you can choose whether to receive cash back rewards annually or as an increase to your credit line, both based on 1% of annual spending.  ### Earn 1% interest on your security deposit Do you want to **earn money on your security deposit**? We think you should too.  While your security deposit is in our safe hands it will earn 1% interest, so it will be working for you while you work to improve your credit score.  ## How fast can the Score Mastercard help build credit? Score Mastercard reports to all major credit agencies in the UK. The Score Mastercard is an additional credit product on your report that, with responsible use, can help to give your credit score a boost. If you make your Score Mastercard repayments on time, keep your balance below 30% of your available credit, and stay on top of all your other bills, your credit score could start to increase within a few months.  It's critical that you pay *all* of your bills on time, across *all* of the credit products you have. If you make your Score Mastercard payments on time but do not pay your mobile bill, or your car loan etc., your credit score is not likely to improve. The key to improving your credit score is to *change the financial habits that got you into trouble in the first place. * ## What if I want to cancel my secured card? The Score Mastercard is a no-obligation secured card. It does not require a contract and you can cancel it any time. Once cancelled, your deposit will be returned to you, with interest and without any penalty, hidden interest fees, or unexpected cancellation costs.It’s pretty simple.  If you decide to cancel your Score Mastercard, we recommend paying your balance owing beforehand so that your account can be reported to the credit bureaus as closed and paid in full.  ## How do I apply for a Score Mastercard Get the credit you deserve and score big with this Mastercard. You can apply for a Score Mastercard by completing [our online application](http://scorebydnd.com/?utm_campaign=Website&utm_medium=Blog%20Post&utm_source=Score%20Mastercard&utm_content=&utm_term=) today for a better financial tomorrow! Tags: [bad credit](https://www.scorebydnd.com/blog/topic/bad-credit), [low credit score](https://www.scorebydnd.com/blog/topic/low-credit-score), [secured credit card](https://www.scorebydnd.com/blog/topic/secured-credit-card), [build credit score](https://www.scorebydnd.com/blog/topic/build-credit-score) #### Written by [Bill Dost](https://www.scorebydnd.com/blog/author/bill-dost) - [Recent](https://www.scorebydnd.com/blog/improve-your-credit-score-and-your-financial-future#tab-1) - [Popular](https://www.scorebydnd.com/blog/improve-your-credit-score-and-your-financial-future#tab-2) - [Categories](https://www.scorebydnd.com/blog/improve-your-credit-score-and-your-financial-future#tab-3) ### Lists by Topic - [bad credit (5)](https://www.scorebydnd.com/blog/tag/bad-credit) - [build credit score (5)](https://www.scorebydnd.com/blog/tag/build-credit-score) - [secured credit card (5)](https://www.scorebydnd.com/blog/tag/secured-credit-card) - [build credit (3)](https://www.scorebydnd.com/blog/tag/build-credit) - [low credit score (3)](https://www.scorebydnd.com/blog/tag/low-credit-score) - [Financial Planning (2)](https://www.scorebydnd.com/blog/tag/financial-planning) - [IVA (2)](https://www.scorebydnd.com/blog/tag/iva) - [New to UK (2)](https://www.scorebydnd.com/blog/tag/new-to-uk) - [declined application (2)](https://www.scorebydnd.com/blog/tag/declined-application) - [declined for credit (2)](https://www.scorebydnd.com/blog/tag/declined-for-credit) - [FAQ (1)](https://www.scorebydnd.com/blog/tag/faq) see all ### Posts by Topic - [bad credit (5)](https://www.scorebydnd.com/blog/tag/bad-credit) - [build credit score (5)](https://www.scorebydnd.com/blog/tag/build-credit-score) - [secured credit card (5)](https://www.scorebydnd.com/blog/tag/secured-credit-card) - [build credit (3)](https://www.scorebydnd.com/blog/tag/build-credit) - [low credit score (3)](https://www.scorebydnd.com/blog/tag/low-credit-score) - [Financial Planning (2)](https://www.scorebydnd.com/blog/tag/financial-planning) - [IVA (2)](https://www.scorebydnd.com/blog/tag/iva) - [New to UK (2)](https://www.scorebydnd.com/blog/tag/new-to-uk) - [declined application (2)](https://www.scorebydnd.com/blog/tag/declined-application) - [declined for credit (2)](https://www.scorebydnd.com/blog/tag/declined-for-credit) - [FAQ (1)](https://www.scorebydnd.com/blog/tag/faq) See all ### Recent Posts ![card](https://www.scorebydnd.com/hs-fs/hubfs/card.png?width=209&height=131&name=card.png "card") ## Ready to Build Your Credit Score? Get a Score Mastercard in minutes! [![APPLY NOW](https://no-cache.hubspot.com/cta/default/7610740/c2946090-fae8-437a-b8fb-f6a09f02783f.png)](https://cta-redirect.hubspot.com/cta/redirect/7610740/c2946090-fae8-437a-b8fb-f6a09f02783f) > [About Us](https://www.scorebydnd.com/about-us) > [Contact Us](https://www.scorebydnd.com/contact-us) > [Privacy Policy](https://www.scorebydnd.com/hubfs/Privacy%20Notice%2011.21.pdf) > [Complaints Policy](https://www.scorebydnd.com/hubfs/Our%20UK%20Complaints%20Policy.pdf) > [Card Agreements](https://www.scorebydnd.com/card-agreements) DND Finance is o/b D&D Leasing UK LTD and is authorized and regulated by the Financial Conduct Authority Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. The Card is issued by PayrNet ltd pursuant to licence by Mastercard International Inc. 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