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Credit Car with Benefits?

kkid
kkid Posts: 144 Forumite
in Credit cards
I am after a credit card to give me a little bit of a credit score.

I am 18 and off to university in September, I just want to begin getting a credit rating early to help me later in life. I figured that paying for certain things via credit card and paying them off immediately would help it even if by just a little bit.

I have seen that certain cards get benefits like vouchers for certain shops when the cards are used. Can anybody recommend some 0% cards that have some benefits like this?
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Comments

  • opinions4u
    opinions4u Posts: 19,411 Forumite
    Do you work?
  • You-kip
    You-kip Posts: 499 Forumite
    18 years old and wanting a 0% card is very unlikely to happen I'm afraid as you need a good amount of credit history for these types of Privelaged cards.

    Try a Cap1 classic or Vanquis CC and build your history up with these for a couple of years and then try a 0% card.

    You could try your bank for a CC I can't see them giving you one TBH
  • kkid
    kkid Posts: 144 Forumite
    opinions4u wrote: »
    Do you work?

    I have a part time job, yes.
  • kkid
    kkid Posts: 144 Forumite
    You-kip wrote: »
    18 years old and wanting a 0% card is very unlikely to happen I'm afraid as you need a good amount of credit history for these types of Privelaged cards.

    Try a Cap1 classic or Vanquis CC and build your history up with these for a couple of years and then try a 0% card.

    You could try your bank for a CC I can't see them giving you one TBH

    No harm in trying though.
  • Wywth
    Wywth Posts: 5,079 Forumite
    kkid wrote: »
    I am after a credit card to give me a little bit of a credit score.

    I am 18 and off to university in September, I just want to begin getting a credit rating early to help me later in life. I figured that paying for certain things via credit card and paying them off immediately would help it even if by just a little bit.

    I have seen that certain cards get benefits like vouchers for certain shops when the cards are used. Can anybody recommend some 0% cards that have some benefits like this?


    Nearly all credit cards will allow you to purchase items at 0% interest if you pay them off IN FULL every month. :)
    (Only the odd ones don't - check the terms before you apply)

    These articles explain cards that have added benefits :)

    http://www.moneysavingexpert.com/credit-cards/credit-card-special-offers

    http://www.moneysavingexpert.com/credit-cards/credit-card-tips

    http://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards
  • kkid
    kkid Posts: 144 Forumite
    Actually. If I pay it off immediately (Which I will always do no matter what) does the percentage make any difference whatsoever?

    If I immediately pay off, do I pay no interest?


    In this case, having a 0% (Which I'm guessing I wouldn't get) card doesn't matter, does it?
  • kkid
    kkid Posts: 144 Forumite
    Wywth wrote: »
    Nearly all credit cards will allow you to purchase items at 0% interest if you pay them off IN FULL every month. :)
    (Only the odd ones don't - check the terms before you apply)

    These articles explain cards that have added benefits :)

    http://www.moneysavingexpert.com/credit-cards/credit-card-special-offers

    http://www.moneysavingexpert.com/credit-cards/credit-card-tips

    http://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards
    We posted at the same time, didn't see your post.

    Thanks :)
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    presumably you either have or will shortly have, a student bank a/c.
    Try asking that bank for a student CC

    Best to use the CC regularly but wait until the bill arrives and then pay in full.
  • kkid
    kkid Posts: 144 Forumite
    CLAPTON wrote: »
    presumably you either have or will shortly have, a student bank a/c.
    Try asking that bank for a student CC

    Best to use the CC regularly but wait until the bill arrives and then pay in full.

    I've been reading that direct debits can be set up. Can I do this so that it is paid off straight away without me having to do anything?

    I'm new to credit cards, sorry if this is a stupid question.
  • kkid
    kkid Posts: 144 Forumite
    CLAPTON wrote: »
    presumably you either have or will shortly have, a student bank a/c.
    Try asking that bank for a student CC

    Best to use the CC regularly but wait until the bill arrives and then pay in full.

    Got to wait until results day, but yes I will :)
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