Which is best credit card for debt free?

Yes I know it sounds unusual but I have never owned a credit card so therefore have no balance transfers, debit on cards etc.
I purely want a credit card for the protections aspect of booking the annual holiday or larger internet purchases.
I would like a british call centre to handle any queries but I understand most are dealt with abroad now? Can anyone help?



  • Robert_Sterling_3
    If you use the card as you say you will almost any one will do.
    In my opinion Nationwide Building Society would suit you 100%.
    ...............................I have put my clock back....... Kcolc ym
    CLAPTON Posts: 41,865 Forumite
    Combo Breaker First Post
    As you haven't already got a CC, then you will probably have difficulty in getting one as you will have no credit record of handling CC well.
    So best to get anything to build a credit history.. Try your bank first as they will know you handle your a/c well.
    Set up a DD to pay in full each month. use the CC regularly for things you anyway buy.
This discussion has been closed.
Meet your Ambassadors


  • All Categories
  • 343.8K Banking & Borrowing
  • 250.3K Reduce Debt & Boost Income
  • 450K Spending & Discounts
  • 235.9K Work, Benefits & Business
  • 609.1K Mortgages, Homes & Bills
  • 173.4K Life & Family
  • 248.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards