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Credit Cards - Best Choice

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I'm pretty useless when it comes to credit cards. Any info is welcome. I basically want to create a credit history for self for future purchases (house) Want a credit I can use thats easy to … Read More
Adam2050 Avatar
7y, 8m agoPosted 7 years, 8 months ago
I'm pretty useless when it comes to credit cards.

Any info is welcome.

I basically want to create a credit history for self for future purchases (house)

Want a credit I can use thats easy to sort out and use.

Thanks
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Adam2050 Avatar
7y, 8m agoPosted 7 years, 8 months ago
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(11) Jump to unreadPost a comment
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#1
All the info you need you should be able to find here...

http://www.moneysavingexpert.com/cards/

Sorry for just the link, but I think it explains more about the different cards on offer etc. than I ever could!!
#2
stick with your own bank if you are not worried about interest and the like (i.e. you plan to pay it off in full each month). This is by far the easiest way as you can use online banking to transfer money to the credit card etc. I set up a standing order to transfer £5 a month for the minimum payment just incase something happens and I miss a payment.

I got one for the same reason as you. If I buy anything on it, I transfer the money straight away. At the moment my credit card owes me £70 as The £5 per month keeps going in just in case
#3
bazzaric
stick with your own bank if you are not worried about interest and the like (i.e. you plan to pay it off in full each month). This is by far the easiest way as you can use online banking to transfer money to the credit card etc. I set up a standing order to transfer £5 a month for the minimum payment just incase something happens and I miss a payment.

I got one for the same reason as you. If I buy anything on it, I transfer the money straight away. At the moment my credit card owes me £70 as The £5 per month keeps going in just in case


They charge you for what?

I understand what your saying im with Natwest and they limit online transaction apart from within accounts.
#4
Adam2050
They charge you for what?

I understand what your saying im with Natwest and they limit online transaction apart from within accounts.


I'm with Natwest too. It's the easiest process and you can see all your accounts in one go. Yeah, you could shop about for better rates, etc, but if you can't afford to pay it off you shouldn't have one anyways eh :-D

I think my credit card total is now £18k I can borrow. That's from never having had a balance on the account over 30 days so my credit 'limit' is still building up
banned#5
Tesco and you get money back or points to spend:thumbsup::santa:
#6
bazzaric
I'm with Natwest too. It's the easiest process and you can see all your accounts in one go. Yeah, you could shop about for better rates, etc, but if you can't afford to pay it off you shouldn't have one anyways eh :-D

I think my credit card total is now £18k I can borrow. That's from never having had a balance on the account over 30 days so my credit 'limit' is still building up


Okay I'd rather go with them as its easiet. I'm only creating a credit history.

Are you saying they charge you each month for the service?

I left you feedback on the game :thumbsup: Most apprecited.
#7
Is it possible to get a credit card without a job? I'm living on compensation from a motorbike accident but I would also love to build up some credit
#8
Adam2050
Okay I'd rather go with them as its easiet. I'm only creating a credit history.

Are you saying they charge you each month for the service?

I left you feedback on the game :thumbsup: Most apprecited.


no monthly charge. If you have bought something on your credit card, the minimum monthly repayment is £5. I make sure that I pay £5 a month as a standing order just in case (I get hit by a bus or something)
#9
rwm24
Is it possible to get a credit card without a job? I'm living on compensation from a motorbike accident but I would also love to build up some credit


It is possible, again, best to go with your own bank if you have money in accounts already
#10
bazzaric
no monthly charge. If you have bought something on your credit card, the minimum monthly repayment is £5. I make sure that I pay £5 a month as a standing order just in case (I get hit by a bus or something)


cheers bazz again:thumbsup:
#11
Personally I use amex because it gives good cashback, I believe you get 5% of purchases for the first 3 months. Egg money also offers a reasonable cashback rate and there are loads of credit cards which offer rewards on purchases.

Most credit cards offer online statements so you can transfer money at any time. I personally find it easier to have a direct debit set up than to manually transfer funds or use standing orders. At the moment I have a direct debit set up for the full amount so that I never pay interest and the total balance is cleared after the interest free period.

I don't pay interest but I do earn cashback so the credit card company pays me to use them.

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