A credit-builder card may help you build a stronger UK credit history if you have limited or damaged credit, but interest rates are often high and approval is not guaranteed. Use an eligibility checker first, then spend only a small amount and pay the balance in full and on time each month. Check the representative APR, fees, credit limit and whether the provider reports payments to all three main credit reference agencies. Registering to vote at your current address and keeping applications to a minimum may also help; check official guidance or speak to an FCA-authorised provider if you are unsure.