Should i try and get some credit?

misssmcc

m00m00 wrote: »

get a copy of your £2 credit records from Equifax and Experian.

these will show your electoral role info, and also whether the Next card is reporting to the CRA's

if it is reporting, then there is no need for you to go for a sub prime card like Vanquis, as long as you are making the payments you are building credit history

thanks i will do that.

jay87

Catalogue item prices are more expensive than general, so a £400 laptop would probably be £600 from a catalogue! The APR on next is 26.9% too, so a balance transfer to a credit card would certainly be cheaper than that :-)