what should i go for

cheeky-virgin

i am new to credit and using my ist credit card which is barclay master card 19.9% APR since june and paying them off well , so now i want to apply for the second card what do u suggest to go for as i am new to credit scoring etc ..... where i would have more chances to be accepted.

Thanks

humfer

What do you want the new card to do - spend or do a balance transfer?

softmind82

humfer wrote:

What do you want the new card to do - spend or do a balance transfer?

i need for day to day spending

humfer

softmind82 wrote:

i need for day to day spending

Then do something like the Nationwide credit card which is 0% for 9 months and also pretty useful for foreign transactions

Fahim_2

Try to get the cards that are easy to get like Aqua, capitalone or vanquis. Once you get them, run them well for 5-6 months, then your credit score will seriously go up. Then other companies will trust you with ur payment history and will probably give you better deal. I did the same and yesterday approved for Halifax One @ 9.9%. Now I'm gonna close my aqua and capitalone accounts. They served their purpose.

Also try to be on the electoral roll.

sofa_surfer

Ty a product offered by your own bank - you might stand a better chance with it, since they have a better view of the in/outgoings in your bank account.