Anyone still provide Charge Cards apart from Amex ?

TzarJay

I always pay my balance off in full each month so that I dont get charged interest. So I was planning to get a charge card in about 6 months time, but can't really find any apart from American Express, who probably won't accept me.

Does anyone know, if any providers still provide charge cards ?

Plxply

Unfortunately I've done a quick search for you and it seems to be all Amex or banks like Coutts and business accounts. There is no reason to switch to a charge card from a credit card (as far as I know), in fact you'll lose the section 75 protection so I would recommend you keep paying it off each month.

InsideInsurance

I thought NatWest did but can only see it on their Business site.

As has been said though, unless there are exceptional rewards associated with the card (which evidently isnt what you are looking for) you are generally better off with a credit card and a DD to pay it off in full each month

marvin

Added to which don't charge cards usually have a fee unlike credit cards which, in the main, if chosen carefully, are free. (or make you money with cashback)

Plxply

InsideInsurance wrote: »

As has been said though, unless there are exceptional rewards associated with the card (which evidently isnt what you are looking for) you are generally better off with a credit card and a DD to pay it off in full each month

I fully agree with this, ever since I got my first credit card in January I've been treating it exactly like a charge card and it has been paid off each month.

If you set up a DD then there is no effort needed on your part. I've been paying it every month manually with my debit card but I have a DD for the minimum payment as I often shift money around accounts but I've never been charged interest or been anywhere near late. Hopefully next January I will be in a position to apply for better cards with an established credit history.