Newbie Help!

rondixon

Hi, i'm just wondering what's best to do for me as i've never had a credit card before.

I need a new laptop (£500ish), and plan to pay off via direct debit £100 a month or so. I might want to pay off more one month etc but i'll always pay some amount every month until it's paid.

I'm just wondering what sort of card to get? It's soley for this one £500ish purchase and i'll proably cut it up after i've bought it ns set up the direct debit repayments

Could you give me some examples of cards on offer now that would suit this need?

Cheers

P.s. ive got no credit problems etc :T

opinions4u

A 0% on purchases card would probably be best.

Check if your bank has one.

Eonel

Getting a credit card for the first time can be tough when you have no credit history.

I recommend you talk to the bank where you have your salary paid into. They will be able to see if you have a good history with your current account and possibly arrange a credit card or overdraft for you.

Superheavy

A lot of it will depend on your credit history and whether or not you have previously had any sort of credit products; whether or not you are on the electoral register; how stable your address history is and various other factors which lenders take into account.

You'll probably want a card which offers a period of interest free on purchases, of which there are many covering periods above 5 months, which are detailed in this part of the credit cards article:

http://www.moneysavingexpert.com/cards/best-0-credit-cards#deals

It might also be worth seeing if any of those offering the rate on purchases are eligible for cashback through Quidco or similar cashback sites.

chanz4

why not get a buy now pay later deal?

Nuclear_Themes

I picked up a very good laptop deal from Very just recently who will give you 3 months interest free providing you pay 1/3 each month. I paid £400 for a great spec so I'd advise taking a look over there.