First Credit card

Soldier81

Hi i wish to obtain a CC to use sparingly for things such as car insurance etc i have tried in the past but was refused as i have no credit history i have never had cards in the past or had things on hp etc so the CC people dont know if i am a high risk or not i dont really care what type of card i get as it will always be paid off in full

So my question is where is the best place to apply for a Card that will likely be accepted?

thanks in advance

Deru

Capital One Visa card is a good card for building credit. It has a very high APR, which makes it easier to obtain.

Alternatively, if you've been with your bank and are in good standing, you can try them. That is what I did to get my first card years back. High APR again but not a problem if you pay off the balance.

Lastly, there's some cards that you have to pay for but do count towards improving credit history but that's a last resort.

YorkshireBoy

Try your own bank, since they will know more about your financial circumstances.

Have you viewed your credit report?
Are you on the Electoral Roll?

Soldier81

YorkshireBoy wrote: »

Try your own bank, since they will know more about your financial circumstances.

Have you viewed your credit report?
Are you on the Electoral Roll?

i have never viewed my credit report but since i have never had credit of any sort and i live in a High risk area i say my credit score if i have 1 will be poor

i am not on the electoral role

Sounds like my bank will be my best bet (RBS) since they can see i have never had any bank charges and both mine and OH wages go in to my account they can see a steady income

( would me being a low risk to them affect the decision as my brother who i wouldnt lend a fiver to got a CC no problem because he is unlikly to keep up payments they can make money off him?)

SteveCutler

I applied for a Lloyds TSB Duo credit card (my first credit card: I turned 18 in October) and got accepted for it with a limit of £1k.

And as I'm a student, I have no income!

Twister84

Soldier81 wrote: »

Sounds like my bank will be my best bet (RBS) since they can see i have never had any bank charges and both mine and OH wages go in to my account they can see a steady income

Usually we can give you a decision before keying the application through. Next time you're in, just ask if you're eligible for one of the credit cards.