Never had a credit card before - no idea where to start!

withnell

Things only go wrong with credit cards when you use them for items that you wouldn't buy if you just had the cash.

Maybe try with your bank - they have full access to all your past transactions and may well be able to offer you a card.

dci220

The Virgin CC looked pretty good last time I checked, maybe worth a look.

You have to have a very strong and sensible head to use a Credit Card sensibly imo.

Woodyrocks

I never treat my credit card as a fountain of credit but rather as a debit card from my own pocket. I always pay off in full what I spend every month and most of the times even on the same day. Set up a payment order from your internet banking and transfer money to the CC as you spend it.

A year ago, I had no CC and no hope of getting one but having used Vanquis for a year and never having to pay a penny in interest I have built up a rating good enough to secure a mainstream card. A CC is not about free money, I have my own TYVM, it is about building up my history so that I can get on the property ladder. People shouldn't be discouraged from applying for them but rather encouraged to be mindful and responsible. There is no such thing as free money afterall!