Which credit card

bulkerb

Hi to every one i need help im going on a cruise now i dont have a credit card only a debit card which they will not except to pay my bills, can i just set one up use it for the holiday so that i do not have to take loads of cash and are there any which offer rewards or bonuses is a credit card my best option or is there another way. all bills will be settled at the end of my trip, is it easy to do, how long will it take to set up as time is now running out, your help would be greatly excepted cheers Bulkerb.

simongregson

If, like many cruises, the bill at the end is in us $, you need a nationwide, post office or abbey zero card, make sure they actually charge the card in us$ though.

If they bill in £:-

If you are not going to pay the bill straight away, then go for a card with a long 0% deal on purchases, see martin's article for more.

Otherwise, you could try for a cashback card, but you might not get one if you have limited credit history. Again, see martin's article.

Moggles_2

Depends when your holiday is. You may be cutting things too fine.

The time taken to process a credit card application varies between card companies. The best deals are often heavily advertised and lenders are sometimes flooded with applications. With luck, your card will arrive within 2 weeks, but better safe than sorry.

That said, if this would be your first credit card, you have a limited credit history, so from the lender's perspective you're something of an unknown quantity. You probably need to be more concerned about actually getting a credit card, rather than trying to select the best card for your trip.

Obviously, you have a current account and presumably you're registered on the electoral roll at your current address. Your own bank may be the best place to start