I'm thinking about getting a credit card.....

Ditto

I'm buying a house soon, next month. I have no furniture and was wondering whether to get myself a credit card, with 0% interest, and buy the majority of the furniture now. I could buy the majority of the furniture with the savings I have left over from my deposit, but I was thinking its better to have money in the bank in case of any unforeseen problems that may arise.

I know nothing about credit cards, as I've never had one, so which is the best one to go for and what offers do they have as I have heard that some "give" you money for using them?

Thanks

stella2009

Ditto wrote: »

I'm buying a house soon, next month. I have no furniture and was wondering whether to get myself a credit card, with 0% interest, and buy the majority of the furniture now. I could buy the majority of the furniture with the savings I have left over from my deposit, but I was thinking its better to have money in the bank in case of any unforeseen problems that may arise.

I know nothing about credit cards, as I've never had one, so which is the best one to go for and what offers do they have as I have heard that some "give" you money for using them?

Thanks

The Tesco Clubcard Credit Card gives you 0% on purchases for 12 months and clubcard points.

CLAPTON

Credit cards can be very useful if you don't get tempted to build up debt on them.

If you haven't ever had a credit card then it's unlikely that you will get a 0% interest card or one with 'cash back' as they usually only are given to people with good credit records including a history of repaying CC on time.


If you want to start using a CC then it's probably best to ask you own bank initially, use it only for things you would anyway buy, pay in full each month and set up a DD to make sure you don't fotget.

Once you have established a good credit history using a CC then you are more likely to get one with good benefits.

Ditto

I'm disciplined enough to not abuse the card, was just thinking it would be better to buy furniture with 0% interest and still have some savings left in the bank.

I'll have a look at Tesco's card;)