Thanks for taking the time to reply. Got one in 2018 and use clear score. Score has improved. I only use it when I go food shopping. Set up a direct debit to pay it off monthly.
I used to be terrible with my finances and ended up with some debt from an MA Loan. As I got myself into a better potion, a credit card really helped me build my history and I even managed to get a mortgage with a ccj on my file. Just do your normal spending on the card and pay it off on payday. Doing just that alone will make a big difference. Also try to get a relatively high credit limit and make sure you always register to vote as that also helps. I use 'Clearscore' to check my credit rating which is free. They get the data from Equifax which I believe is one of the main credit reference agencies. You also get 'rewards' on certain cards so you're being paid to use the credit in a way.
which accounts with Santander?
You'll need to see what it says on the credit card agreement to be sure what the introductory offer actually is. I recently applied for a MBNA card which offered 0% for purchases but this offer was only valid for purchases made up to a certain date. After that date, normal interest applied.
Hi all a wee question about the MBNA 28 month 0 percent on purchases and balance transfers? Am I right in saying I will get 0 percent on any purchases I make on the credit card for the next 28 months or does it have a time limit for Eg I need to make a purchase by a certain date?