First Credit Card

biibee

Hiya Folks!

I am saving up to buy a house next year and would like to apply for a credit card to build up my credit rating.

I am on the voters in shared rented accommodation.Will credit record of my flatmates affect my application.

The home phone is not in my name, will this affect my application

The Credit Card Forms want my employers Phone No. will they phohe to ask of me and to find out my salary ?

I am in full time job but have never had credit as I didnt need it, I am a new customer with my bank, wiil any credit card company consider me ?

Thank you for your advice

grumbler

biibee wrote:

I am on the voters in shared rented accommodation.Will credit record of my flatmates affect my application.

Most likely not. You can order your £2 credit files to make sure.

The home phone is not in my name, will this affect my application

I don't think they check what name the number is registered to.

The Credit Card Forms want my employers Phone No. will they phohe to ask of me and to find out my salary ?

Very unlikely. Also I don't think that your employer is allowed to disclose this information under the Data Protection Act.

I am in full time job but have never had credit as I didnt need it, I am a new customer with my bank, wiil any credit card company consider me ?

It is advised to start with the bank you have the current account with. If refused try one of these: Capital One Classic, Vanquis, Aqua, Barclaycard Initial.