1st credit card?

Hobgoblin23

hi everyone,

i want to get a credit card with my bank abbey.

i'm not sure which to get and don't want the bank to know because they might trick me into getting something expensive.

which would you suggest for me if i don't spend loads on it just small items?

also , is there any charge if i pay the money back on time?

thanks for your help.

Balance Transfer Credit Card
Transfer a balance from other credit card accounts to your Abbey credit card and for 9 months from the date your account is opened, you won’t pay any interest on the money you move. There is a handling fee for balance transfers - see your summary box for full details. Plus you pay a typical rate of 15.9% APR (variable).

Flat Rate Credit Card

You pay one interest rate with this credit card no matter how you use it. Typical rate 10.9% APR (variable) on credit card purchases. 10.9% p.a. on balance transfers, cash machine withdrawals and credit card cheques. No cash handling, credit card cheque or balance transfer fees.

Shopping Credit Card
Make your money go further with an unbeatable introductory interest rate of 0% p.a. on all credit card purchases for 9 months from the date your account is opened, plus 7.9% p.a. on any balance you transfer. There is a handling fee for balance transfers - see your summary box for full details. Typical rate of 15.9% APR (variable).

Cashback Credit Card

Spend and earn at the same time on our Cashback Credit Card with up to 1% cashback.** Plus, an introductory interest rate of 1.9% p.a. on balance transfers for 6 months from the date your account is opened. There is a handling fee for balance transfers - see your summary box for full details. Typical rate of 16.9% APR (variable).

grumbler

All these cards don't have any charges if you use them properly:

• don't draw cash
• don't go over your limit
• pay the balance in full and on time every month.

IMHO the cashback is the best for you. Apply for it. If they offer you some other card instead, you will be fine with it too. In a year you will have some experience and some credit history to be able to apply for a better card.