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Best credit card for repaying in full monthly with generous credit limit?

vmp
vmp Posts: 37 Forumite
in Credit cards
Hi,

I wondered if anyone could suggest a good credit card for which I'd like repay the balance in full monthly.

My requirements are:
  1. Good credit limit - perhaps £5K or so. What's the highest I could get (I have a good, if a little bland, credit history)?
  2. Easy online payment. Ideally I'd like to pay it off each month with a BACS transfer. Is this possible? Alternatively, I'd like to pay it off with my debit card. I don't really want to set up a direct debit, as I like to do everything manually. I definitely don't want to have to send a cheque in to pay the balance.
  3. Comprehensive online service. Would an Egg card be good for this?
  4. Good, reputable provider - the larger the better
Many thanks in advance!

Comments

  • Volcane
    Volcane Posts: 325 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I'd go with MBNA (or one there backed cards like Virgin) if trying to meet the above criteria.

    Bank of Scotland also recently gave me a good credit limit.
    Best Regards,

    V
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Do you have a credit card at the moment? If not then you'll struggle to get a 5 grand starter card. If you do, then what is your highest limit and what is the provider?

    TBH its always best to start with your own bank as they have 'history' on you and the way you handle finance.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    vmp wrote: »
    Hi,

    I wondered if anyone could suggest a good credit card for which I'd like repay the balance in full monthly.

    My requirements are:
    1. Good credit limit - perhaps £5K or so. What's the highest I could get (I have a good, if a little bland, credit history)?
    2. Easy online payment. Ideally I'd like to pay it off each month with a BACS transfer. Is this possible? Alternatively, I'd like to pay it off with my debit card. I don't really want to set up a direct debit, as I like to do everything manually. I definitely don't want to have to send a cheque in to pay the balance.
    3. Comprehensive online service. Would an Egg card be good for this?
    4. Good, reputable provider - the larger the better
    Many thanks in advance!
    All cards issue by MBNA - Virgin is one of the best at the moment and would fufill all or most of our requirements.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Volcane wrote: »
    I'd go with MBNA (or one there backed cards like Virgin) if trying to meet the above criteria.

    Bank of Scotland also recently gave me a good credit limit.

    Mate MBNA/Virgin are one of the hardest to get accepted for right now! The answers would depend on variosu factors and if the OP has no credit then these would NOT be the best cards to apply for as he'd get rejected.

    I want a Virgin card and have two gold ones but cannot get virgin for the life of me...... goes to show different lenders assess things differently.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    All cards issue by MBNA - Virgin is one of the best at the moment and would fufill all or most of our requirements.

    see post #5
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • vmp
    vmp Posts: 37 Forumite
    Wow, thanks for such quick replies everyone!
    never-in-doubt wrote: »
    Do you have a credit card at the moment? If not then you'll struggle to get a 5 grand starter card. If you do, then what is your highest limit and what is the provider?

    TBH its always best to start with your own bank as they have 'history' on you and the way you handle finance.

    Yes, i do have a credit card at the moment which is with my bank. I have about a £4K credit limit on that.

    The reason I want another one is because for some reason I can't link it with my online banking account, so always have to pay the balance by cheque. As well as that, I'd just like a second one as well, so to start getting a more comprehensive credit history.

    Many thanks again! :D
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    vmp wrote: »
    Wow, thanks for such quick replies everyone!



    Yes, i do have a credit card at the moment which is with my bank. I have about a £4K credit limit on that.

    The reason I want another one is because for some reason I can't link it with my online banking account, so always have to pay the balance by cheque. As well as that, I'd just like a second one as well, so to start getting a more comprehensive credit history.

    Many thanks again! :D

    Ok then yea, Virgin would be one of the best or Egg. Even Abbey Zero (due back soon I think)...... there are some good offers. See here:

    http://www.moneysavingexpert.com/cards/
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Ok then yea, Virgin would be one of the best or Egg. Even Abbey Zero (due back soon I think)...... there are some good offers. See here:

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

    Stay clear of Abbey Zero! - Worst customer service ever!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Volcane
    Volcane Posts: 325 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    Mate MBNA/Virgin are one of the hardest to get accepted for right now! The answers would depend on variosu factors and if the OP has no credit then these would NOT be the best cards to apply for as he'd get rejected.

    I want a Virgin card and have two gold ones but cannot get virgin for the life of me...... goes to show different lenders assess things differently.

    I didn't realise Virgin were tightening their belts that much.

    I HAD heard Barclaycard are rejecting 7 out of 10 applications and also know A&L Loans (Santander) are rejecting 40% too so Virgin does not surprise me, although this is the first I'd heard somebody say.
    Best Regards,

    V
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