First time Credit Card ??

lowbug

Hi, What you your recommend. I want a Credit Card for the following:-

1). Use for monthly business fuel / travel expenses - alawys paid back on time.
2). Allow / Offer protection for that one off large purchase say a holiday - allow a few months to pay off -rare
3). Easy to use and not high running costs.

I've never had a credit card so I could do with some guidance I think it also may help my credit rating, not that it's bad, I currently use a debit card both home and abroad?

:beer:

KingElvis

Try the Barclaycard pre check tool thingy, it will give you an idea of what cards you're likley to get.


https://letmechoose.barclaycard.co.uk/

lowbug

Hi thanks,

It says the barclaycard platinum, the barclaycard platinum simplicity and the barclaycard initial.

Does this help?

KingElvis

Use that info and apply or look for cards with a similar deal.

What percentages did you get for the Platinum? The Initial is a top end starter card, if you've not had a credit card before it may be worth starting with that one.

pidge10

i recently got a capital one credit card i used it once but now can not use it, keeps saying declined. i look on my account and it still says i have my £200 credit limit.....has anyone had this problem before? and did it get resolved? thanks

theoretica

I suggest you look at what credit cards your bank offers. When I wanted a credit card I was in a similar position to you having always used a debit card, but wanting purchase protection. I first applied for one which was not with my bank and was turned down- presumably because of not having a previous credit rating. I then went to my bank and was immediately given a lowish apr and high credit limit because they knew how I managed my accounts. It shows on my internet banking, I pay it off every month and it has cost me nothing so far.

derby2010

You could also try Moneysupermarket.com's comparison tool for Credit Cards. They do a 'Smart Search' (like KingElvis mentioned with Barclay's) and it tells which cards you are more and less likely to be accepted for.