Best first credit card?

sarastark86

Hi, I want to apply for a credit card to improve my credit rating and also to protect my larger purchases (section 75 thing). I have never had a credit card before although I do have one store card which I haven't used for around a year (credit limit £250 but is fully paid off). I think my credit rating is generally OK as I work full-time, earn an average salary, on electoral roll, don't have any debts except student loan which as far as I'm aware doesn't show up on a credit check. But I don't want to apply for a card if they will turn me down because I haven't used credit before. Would I get turned down for the 0% deals purely for this reason? If so would I be better off going for a long-term low rate deal until I improve my score? Or is credit now so crunched that I would have to resort to one of those horrible 35% APR cards?

Thanks in advance!

CLAPTON

its unlikely you will get any good deals because of your lack of a proven payment history.
best is to apply to your own bank who will be familiar with your current account.

CLAPTON

its unlikely you will get any good deals because of your lack of a proven payment history.
best is to apply to your own bank who will be familiar with your current account.
spend on it regularly with things you anyway buy (maybe petrol ), pay in full each month (set up a DD for the full amount) and that will improve your credit record.