Credit card help

shelbygt350

hello i looking for abit of advice please

Im Off to florida in May but have been told if i want to get a hire car i have to have a credit card which i dont have. I have always paid upfront for what ever i want. I have already paid for my flights and villa for the trip but i have a small issue with the hire car.

all i need the credit card for is the holding/security deposit for the car. Im paying in full for the car just i cant use my debit card for the security bit. Not knowing alot about credit cards i have no idea what im looking for could anyone give me any advice pls.

i have good credit score and know i wont have a problem getting a credit card. Im a 26 year old male and have a personal and business account with natwest.

thanks for any advice jay

silentkiller

Go for Capital One - they are probably the best one i've got.`

Fruit_and_Nut_Case

shelbygt350 wrote: »

I have always paid upfront for what ever i want

So you've never had credit. Right?

shelbygt350 wrote: »

i have good credit score

How do you know?

First try NatWest. They know how you run your other accounts so are in the best position to judge your financial ability.

shelbygt350

Fruit_and_Nut_Case wrote: »

So you've never had credit. Right?


How do you know?

First try NatWest. They know how you run your other accounts so are in the best position to judge your financial ability.

3 Years ago i took a small loan when i started my company and had no problem and before that when i could buy stuff out right i did get some credit to pay for a laptop and tv so i do have credit history. im off to speak to my business accountant today hopefuly i can get it sorted .

Ralphy101

Fruit_and_Nut_Case wrote: »

So you've never had credit. Right?


How do you know?

First try NatWest. They know how you run your other accounts so are in the best position to judge your financial ability.

Agree with trying natwest - I bank with them, and had no problem getting their platinum and classic cards yesterday (2 cards to cover one big balance transfer ) . Although this isn't the most competitive of cards - it builds a good relationship/ bank score.

Always approach your bank first - they hold internal banks scores, which could sway any decision.

Platinum currently offers 0% on purchases for 3 months so providing you pay your balance off within 3 months ( whilst meeting the min monthly payments ) it will be a free loan.

There are many cards on the market that offer 16 month + on purchases, however if you only need it for protection I would stick with your bank

YorkshireBoy

Ralphy101 wrote: »

There are many cards on the market that offer 16 month + on purchases

Really? I'm aware of the 15 months available with M&S, but who gives more than this?

Ralphy101

YorkshireBoy wrote: »

Really? I'm aware of the 15 months available with M&S, but who gives more than this?

Edit :13 months + .