Never had a credit card - Can you recommend?

Dee76

I've always paid upfront with purchases and never wanted a credit card before. However I purchase lots of things online and have been told it is much safer with a credit card in cases of companies going into administration etc.

Can someone please recommend a straight forward, basic credit card? I will only be using it for purchases like gadget type Christmas presents that will be paid back within a few days of buying.
Thanks

Tiexen

If you Amazon at all, there card is quite good - For every 1,000 Amazon.co.uk Loyalty Points you earn you will automatically be e-mailed a £10 gift certificate redeemable against future Amazon.co.uk purchases.

BugsyBrowne

Tiexen wrote: »

If you Amazon at all, there card is quite good - For every 1,000 Amazon.co.uk Loyalty Points you earn you will automatically be e-mailed a £10 gift certificate redeemable against future Amazon.co.uk purchases.

Now how is the OP going to be accepted for an amazon card with no credit history?

Dee76

I have a mortgage and last year had a loan for £1000 which was paid back a few weeks later. I was accepted for the loan so I imagine I have a credit history. My salary is around £25,000 and a homeowner will that be enough to apply for a credit card?

Dee76

sorry that's £25,000 after tax not sure what it is before tax exactly.

smithers1981

Try your own bank first.

Jammi

I'd recommend the Aqua Cash back credit card. It's a lot easier to get for someone who is new to credit cards. It pays 3% cash back on all purchases, with a yearly reward limit of £100.

Dee76

I like the look of the cash back cards after reading a MSE article. I'm with Lloyds and it doesn't look like they do a cash back one, I could be wrong.

BugsyBrowne

Dee76 wrote: »

I like the look of the cash back cards after reading a MSE article. I'm with Lloyds and it doesn't look like they do a cash back one, I could be wrong.

But with no credit card history your bank might be the best bet.

dresdendave

Dee76 wrote: »

I will only be using it for purchases like gadget type Christmas presents that will be paid back within a few days of buying.
Thanks

If you are absoloutely certain you will always repay the card in full then the interest rate on a card will be irrelevant. Therefore try to get one with cashback or other perks.

The best way to use a card is to make your purchases and then pay in full when the statement is received. Paying back within a few days of buying an item can cause complications due to a statement being generated just before your payment reaches the CC company. In this case you usually will have to make at least the minimum payment to avoid a £12 fee, even though you have already paid for the item.
Keep it simple and use the card as intended, purchase, get statement, then pay.