im 22 and have never had a credit card, just a switch/maestro card. you get 5% off online places often like dixons or whatever which is why i want to get an egg card.
how does it work, do you load money into your account or do you just buy something using the card and then the money is taken out of your bank account e.g hsbc via direct debit. whats this 2% or 3% transfer fee it says, dont have a clue. do you have a certain amount of time to pay off the money you have spent, is it free if you do it within 1 month or something.
im literally clueless to how credit cards work, im very good with my money and have about £6k in the bank, i'd like 1 of these to get online discounts.
thankyou for your help in advance.