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First Credit Card

macleanal
macleanal Posts: 43 Forumite
Part of the Furniture Combo Breaker
in Credit cards
Im wanting to get a credit card to improve my credit rating. Never had one before so I don’t want to abuse it. All I really want to do is buy perhaps a tank of petrol or some food shopping and pay it back at the end of the each month.

Can anyone recommend a good credit card that would suit my current situation?

Comments

  • michael1983l
    michael1983l Posts: 1,916 Forumite
    Barclaycard normally accept people new to credit as do halifax. Otherwise it is the sub prime Cap 1.
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    michael1983l wrote: »
    Barclaycard normally accept people new to credit as do halifax. Otherwise it is the sub prime Cap 1.

    Barclaycard or halifax would not touch anyone who has not got some sort of proven credit history.
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    macleanal wrote: »
    Im wanting to get a credit card to improve my credit rating. Never had one before so I don’t want to abuse it. All I really want to do is buy perhaps a tank of petrol or some food shopping and pay it back at the end of the each month.

    Can anyone recommend a good credit card that would suit my current situation?

    First of all mate try your own bank,if that is a no show you will have to start with a credit building card such as capital one i am afraid.
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    star-fire wrote: »
    Barclaycard or halifax would not touch anyone who has not got some sort of proven credit history.


    How is that when I arrived back in this country with my wife who had no history whatsoever did she get accpeted for both of these cards then?
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    michael1983l wrote: »
    How is that when I arrived back in this country with my wife who had no history whatsoever did she get accpeted for both of these cards then?

    I really don't know mate,for starters halifax is a prime card which need a good credit history.and barclaycard does one card the initial which is not a new to credit,credit card.
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    I do agree however that approaching their own bank is best, I overlooked that somehow.
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    michael1983l wrote: »
    I do agree however that approaching their own bank is best, I overlooked that somehow.

    >Totally agree unless you have a good credit history approaching your own bank might be an option.
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