Credit card for credit rating for motgage

bmth05

I am getting a motgage next year but do not currently have a credit rating. What is the best way to get one? I presume a credit card? If so whats the best one to get. I only want to spend to get a good credit rating. Maybe a card which gives cashback too as it will be mainly used online shopping, clothes shops and petrol.
Please Help
Thanks

debtcutter

When you say you don't have a credit rating, have you never had any credit at all? Including mobile phone contracts, overdrafts, store cards?

A credit card is one of the safer ways, as you can use it and pay off your balance in full each month, meaning it won't cost you anything to start building up credit.

Just remember to pay it off in full. I found out (in my younger days) that the temptation to spend on it can get you.

bmth05

Thanks. I have a mobile phone contract but thats all. Ive heard that they like more than a mobile contract for a credit rating for motgages.

debtcutter

Yeh, you're right, they do.

I was only asking as if you'd literally had nothing, you'd probably have trouble getting a decent credit card to start with.

The fact that you've got a phone contract (as long as you've not missed payments) may mean you can get something better than cards like Capital One's credit building options.

Who do you bank with? If you've got a good record with them (as in, haven't gone into unauthorised overdrafts etc) then you might want to try them.

There's not really an answer to "which companies will accept me?" though, I'm afraid.