First time card?

Littlemiss1986

Hi everyone, I'm new to the forum so thought I'd say hello.

I just have a few questions about credit cards, basically I have just finished university and started working as a teacher. The only loan I have in my name is my student loan and I don't have any credit cards. However, people have told me that I could do with getting a credit card so I have a credit rating and I will be approved for a mortgage in the future.

So just wondering what card you would recommend, and if you could explain what it provides that would be great, I'm a bit confused about the whole credit thing!

Thank you:rotfl:

cifpower

Your student loan will not show on your credit file so we can discount that.

Are you on the electoral roll?

I would advise asking your bank first. Failing that I would opt for a sub-prime card such as Vanquis or Capital One. More details can be found on the sub-prime credit thread. As the interest rates on these cards are quite high I would advise paying the balance off in full every month via direct debit.