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Credit cards/building credit rating

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Comments

  • dojoman
    dojoman Posts: 12,027 Forumite
    petrolhead. wrote: »
    Being a bit thick, but could you please tell me why it is so damn important to 'clean your credit file' and get a credit card?

    Why? Surely you don't want to have more debt/credit in the future?

    No comment ;)
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  • FuzzyCub
    FuzzyCub Posts: 135 Forumite
    petrolhead. wrote: »
    Being a bit thick, but could you please tell me why it is so damn important to 'clean your credit file' and get a credit card?

    Why? Surely you don't want to have more debt/credit in the future?

    A healthy credit file impacts lots of areas of life not just consumer credit.;)

    Rental properties and utilities/service providers being some. A healthy credit file also helps with better rates should the OP wish to apply for credit in the future -which is their right. A card such as the one the OP is looking at would help build a credit history and if used correctly would be very valuable.
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  • Tupperware_Queen
    Tupperware_Queen Posts: 1,794 Forumite
    petrolhead. wrote: »
    Being a bit thick, but could you please tell me why it is so damn important to 'clean your credit file' and get a credit card?

    Why? Surely you don't want to have more debt/credit in the future?


    I think that has to be a personal choice ...I wouldn't want use them again, but thats just me. Everyone has the right to make their own choice ;)
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