The APR you're offered will depend on your individual circumstances. The APR Representative for the Ocean Credit Card is 39.9%, which means at least 51% of our customers get that rate or lower.
It's important that you only borrow what you can afford, as failure to meet future payments could have a serious impact on your credit history. To be able to get the most competitive interest rates, you may wish to build up your credit history before applying for a credit card. Read more about how to get a credit card with a CCJ.