New to Credit

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My partner has never had a credit card, he's had one small provident loan a few years ago which he paid back with no changes and on time. Now I am hoping to put him on my mortgage next year but his credit history might be an issue - as in not enough credit history!

We have been looking at credit cards and have noticed that they show that some will be easier to get than others... And we don't want to have rejected applications on his credit history spoiling it!

Would the simplist option be to just go for a High Interest Card as we know he will definatly be accepted or can anyone suggest a card we go for?
First win Friday 13th! Knew it was a lucky day for me :p
2009 Wins: Special K, Super Glue & Little Dish Ruck Sack

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  • kilasuit
    kilasuit Posts: 645 Forumite
    First Post Name Dropper First Anniversary Combo Breaker
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    Vanquis though as said it is a high interest card or his own bank.

    Also catalogues like littlewoods and a mobile phone contract will do wonders for him.

    Also in my expirence an overdraft on a current account like at halifax reports to the CRA's which will help boost his Credit report.
  • Emma_Salmon
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    Thanks for the info, he has a mobile on contract which will help. Suppose our best bet is to actually check his report.

    Thanks
    First win Friday 13th! Knew it was a lucky day for me :p
    2009 Wins: Special K, Super Glue & Little Dish Ruck Sack
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Please search for NID's thread

    "The credit Ladder"

    This will give you all the information you require
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Please search for NID's thread

    "The credit Ladder"

    This will give you all the information you require

    Here is the link

    http://forums.moneysavingexpert.com/showthread.html?t=1626277

    Good luck
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
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