credit card for 18 year old.. help!!

shawtiee

Lokolo wrote: »

Is there a reason you want to build up your credit rating with a credit card at 18?

Want to move to Austrailia and higher my credit score is the more points i get. x

TFD_2

hello4645 wrote: »

If you are dyslexic then couldn't you of ran your post through a spell checker before submitting it?

Innocent Guy nailed it with his reply anyway.

I wouldn't criticise anybodys spelling when your own grammar is so poor.

It should be "couldn't you have" not "couldn't you of".

I don't usually get caught up with stuff like this, but found your reply somewhat hypocritical!

Lokolo

shawtiee wrote: »

Want to move to Austrailia and higher my credit score is the more points i get. x

We have loans and credit cards debts, will this affect our application for migration? What would happen if we leave these debts behind? Also will it affect our credit rating in Australia or cause any trouble getting a mortgage once we get there?

Your credit rating is not checked for your migration application so it will not affect you getting your visa. However it may affect your credit rating in Australia as some banks carry this over and may affect getting a mortgage. If the debt is large there is every reason to suspect that they will track you down – paying off a £ debt on an $AUD income can be hard

MrTomato

ask your own bank, then Vanquis and Capital One.

is it ironic that your spelling improves when you get annoyed and say you're dyslexic?

AnxiousMum

They don't check your credit rating on your application, but when you're applying for a mortgage there, they will check your credit file. Lots of the major companies are linked up internationally, and they will find you. There was one poster on here not too long ago wondering how a creditor here found them in Australia - quite simply, creditors move onto tracing you, and contacting family, others with same/similar names - and eventually, those being harassed in your absence will undoubtedly let them know where you've gone.

izools

Your bank and the Capital One Classic card are good to start off with.If they turn you down, then Aquacard and Vanquis.If they also turn you down, DON'T apply elsewhere as your applications will be making your score worse.Instead make sure you are on the electoral role, ask your bank to give you an account that appears on your credit file, and take out a contract with a mobile network - a THree Sim Zero should do the trick if you don't want to pay line rental.This will show the credit card company that you are who you say you are and have accounts elsewhere.After you've registered with the electoral role, got a mobile contract of some kind, and a bank account that shows on your file, wait six months and try for the Capital One card again :oGood luck!P.S> My ex was Dyslexic despite this however his spelling and grammar have improved immensely over the last few years.I find the single biggest hurdle to get over is that you don't believe you can get better. You've had school and college tell you for years not to bother trying as you can't understand. This is absolute tripe. Believe you can do better, put the effort in, and you will reap the rewards

By the way, this isn't split into paragraphs because my browser at work is screwing things up... sorry

TheEffect

Do none of you have anything better to do then to sit on a computer and try and look for a reaction from others regarding their spelling? You can understand what the poster is trying to ask, so why comment on the spelling? It's an internet forum, not an exam!

Poster, your best bet is to ask your current bank, as they have previous history of your finances i.e current account. If they say no, then ask either Aqua Card, CapitalOne, BarclayCard Initial and finally Vanquis. Things that will go against you is only just starting with a new employer and having an empty credit file.

Good luck.

slig

shawtiee wrote: »

Want to move to Austrailia and higher my credit score is the more points i get. x

That's not true at all, I'm not sure where you got that information from? I've trawled through the Australia immigration website in the past and I've never seen anything about credit rating getting you points.

However if you have plans to travel or emmigrate then definitely avoid any kind of debt and personally I would say concentrate on saving rather than building up your credit rating (others may disagree, I don't know).

esuhl

I got my first credit card (many moons ago) from my bank. At least they could see that I had managed my account without any problems. I'm not sure, but I suspect that you may find that your current bank will be more willing to give you a card than another lender.

Palerideruk

I was in the same boat some time ago, got a vanquis card with an absolutely ridiculous APR but what does it matter if you keep the limit low and pay it in full before the interest is added!!

could be a good way to go IMO.

oh... i'm also new to posting here and have to say that there are some very critical people about, dont you think life's a bit too short to criticise everyones spelling and grammar etc.?

better be careful with my posts I guess........