Advice on a credit card

Poor_Old_Ben

Hi, new member here!

I could really do with some advice on a credit card if possibly. I'm 24 years old and graduated from university 2 years ago. I still have a student credit card with my bank with a limit of £250 and am looking to change this to a higher limit. Because of the student nature of the credit card my bank has said it cannot be increased as I am no longer a student. In addition, the maximum level of the card is £500. My bank has said that I could apply for a different credit card but I would have to change my account to a premium account that would carry an annual fee. However, I refused because I will not pay to have someone look after my money.

I have a small overdraft of £400 that I'm slowly paying off and should be clear in about two to three months time. Also I have an unsecured personal loan of £3500 and a mobile phone contract of about £40 a month. Both I pay in full every month and on-time. The loan should take about 2 years to pay it off in full.

Finally, I earn over £35000 a year and have never defaulted or missed a payment on anything.

I have checked both my Experian and CreditExpert files and they are accurate, up-to-date and satisfactory. However, I move around a lot for work (usually once every year) and so I have a lot of previous address.

Thus, I was wondering if anyone could recommend a Credit Card with rewards and a higher balance. I plan to continue to pay the full amount off every month. However, I don't want to just apply for random cards that I'm not going to get and ruin my credit rating.

PS I have not applied for any credit for over a year since I changed my mobile phone contract.


Thanks



Ben

BugsyBrowne

Try http://www.creation.co.uk/