Want to apply for Credit Card but not sure which

mallie01

ive checked my credit rating on experian and its 967,,

what it is im in need of purchasing an item before september for work and i need a £500 loan for about 6 months,,but the payback on small loans ive found are expensive so i was going to apply for a credit card which i never have had one before,,
ive not tryed to apply yet due to being refused and me not knowing anything about them too..

i have basic cash accounts visa debt with Santander and Yorkshire bank my wages get paid into Barclays which ive asked for a overdraft but said i wouldnt get an overdraft at this time,,

ive been in work since May 2013 im over 40 and i have no debts and im not a home owner i am living with parents after moving from rented property which was at over 6 years

could anyone advise me of a credit card that will accept me..and im planning on paying it off in full within 6 months..

fart

mallie01 wrote: »

ive checked my credit rating on experian and its 967,,

what it is im in need of purchasing an item before september for work and i need a £500 loan for about 6 months,,but the payback on small loans ive found are expensive so i was going to apply for a credit card which i never have had one before,,
ive not tryed to apply yet due to being refused and me not knowing anything about them too..

i have basic cash accounts visa debt with Santander and Yorkshire bank my wages get paid into Barclays which ive asked for a overdraft but said i wouldnt get an overdraft at this time,,

ive been in work since May 2013 im over 40 and i have no debts and im not a home owner i am living with parents after moving from rented property which was at over 6 years

could anyone advise me of a credit card that will accept me..and im planning on paying it off in full within 6 months..

Personally i'd ask my parents if i could not pay them anything for the next month, get what i need out of my wages and then pay back parents at small interest. Easier and cheaper than paying a bank off every month. When i had my CC i had £1700 on it, my monthly payment was £34, and only £11 was coming off the bill. Rip. Off.

If you can get a 0% credit card though (strange you can't get an overdraft) then get it on that and make sure you pay it off before interest kicks in.

mallie01

no go with lending off parents,,there skint... i was looking at the Tesco Credit Card but like i say ive never applied for one before,, and its only going to be used for a short time before card gets shredded...
i prefare cash and never used over drafts in my life..

i dont want to go applying if im going to get refused everywere..

fart

mallie01 wrote: »

no go with lending off parents,,there skint... i was looking at the Tesco Credit Card but like i say ive never applied for one before,, and its only going to be used for a short time before card gets shredded...
i prefare cash and never used over drafts in my life..

i dont want to go applying if im going to get refused everywere..

No i didn't mean borrow off them, i meant if you're currently paying them to live there, ask if they'll waive your contribution for a month, and then when you've got the bits you need you can pay them back the money you would have contributed, if they're in a position to do this of course?

Also you may be able to use some of these lending comparison websites to see if you're elibigle for one, i don't think these credit check and you will be given an idea of who may lend to you. Don't just go applying randomly, once you've got a certain amount of checks on your credit file you will have to wait for 6 months or something before applying again.

You-kip

mallie01 wrote: »

no go with lending off parents,,there skint... i was looking at the Tesco Credit Card but like i say ive never applied for one before,, and its only going to be used for a short time before card gets shredded...
i prefare cash and never used over drafts in my life..

i dont want to go applying if im going to get refused everywere..

No good applying for a 0% credit card with no credit history unless it was with your bank which knows your financial history of which they won't give you an overdraft so that's out of the question.

It sounds like you're very high risk at the moment which means only a few credit card companies may give you a card of which are Sub-Prime high interest credit builder cards like Vanquis or Cap1 classic.

You need to build up your credit worthiness before you start getting the best deals.