I HAVE AN IVA AND AM COPING WELL.EVERYTHING IS GETTING BRIGHTER HOWEVER MY HUSBAND'S CREDIT IS BEING AFFECTED AS WE WERE LATE WITH

Its a tricky one because he was obviously refused credit quite recently and the missed mortgage payments will still be on his credit profile. If this is the case, applying for another credit card will only add another footprint to his credit record.

You could try applying for a bad credit credit card which are designed for people with slightly worse credit scores, however the interest rates are often very high and the credit limits are often very restricted. Obviously it may be worth contacting the companies before applying to make sure he fits the criteria for the card to reduce the risk of being declined.

Hi Tory, and welcome to the forum.

TheBandit's spot on, as usual, but I would consider trying to do without a credit card at all, if you can, until you're in a better position. I know it seems unfair on your husband, but might be wiser until the missed mortgage payments have cleared from your credit record.