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First time credit card for an employed, debt-free 30yr old, with no credit history??



  • ehlo
    ehlo Posts: 397 Forumite
    First Anniversary First Post
    whocanhelp wrote: »
    I'm really sorry to post in this thread but I didn't feel my short question required a whole new thread.
    I need a credit card from which I can transfer up to £2000 straight into my bank account. I saw Santander one is 0% APR and no fees, is that the right one to go for?
    You'll need a card that supports "super balance transfer"

    Here is a list :)
  • emilyteach1
    emilyteach1 Posts: 113 Forumite
    Thanks for your useful comments guys,

    I guess I'll let 'knock himself out' and apply for the Tesco card. If he's declined, it's no biggie, and if he's accepted, then it'll be a useful addition to my purse [just kidding!].

    I too am nearing 30. I earn 10k these days with my part-time job, but I've earned 2.5 times that in the past, and it was a real slog to get into the credit position I'm in now.

    I started off with a HSBC Mastercard aged 18, 34% APR, which I basically abused :-P [never defaulted, but definitely lived beyond my means!], and it was many years later; and long after I 'saw the light' about the extortion of minimum payments; that I began to be accepted for more mainstream cards, 0% balance transfers, cashback and the likes.

    Nowadays I have access to a humongous amount of reasonably cheap credit and despite the 'crunch', my limits seem to go up and up. Thank God I'm sensible about my spending these days :D
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