Is this worth getting a credit card for?

Rexxsi

I moved into a my first rented place a couple of months ago and am still struggling to afford everything I need in terms of furnishings! (I had to move out with little notice due to very bad family problems, so didn't have the time to save much for the move) - as a result, I still need curtains, a sofa and a washing machine, but being able to afford these things is going to take some time but I'm so tired of waiting.

I've never owned a credit card, am not in any debt and never have been, so I'm reluctant to do this, but I'm great with handling monthly bills (never miss them and always pay on time) and think I could manage monthly payments.

The thing is, I have absolutely no idea which credit card to get and I'm scared to get one in case they screw me over.

I have no idea which company to trust. Can you think of a company which do credit cards that might suit me in this position? Sorry if this is a silly question - TOTAL credit card newb here!

Many thanks for any help.

gravitytolls

You might be better off looking at an Argos card, interest free for a set period, giving you time to save and repay in full, rather than pay interest..... or DFS type companies with interest free, long pay periods.

katejo

Rexxsi wrote: »

I moved into a my first rented place a couple of months ago and am still struggling to afford everything I need in terms of furnishings! (I had to move out with little notice due to very bad family problems, so didn't have the time to save much for the move) - as a result, I still need curtains, a sofa and a washing machine, but being able to afford these things is going to take some time but I'm so tired of waiting.

I've never owned a credit card, am not in any debt and never have been, so I'm reluctant to do this, but I'm great with handling monthly bills (never miss them and always pay on time) and think I could manage monthly payments.

The thing is, I have absolutely no idea which credit card to get and I'm scared to get one in case they screw me over.

I have no idea which company to trust. Can you think of a company which do credit cards that might suit me in this position? Sorry if this is a silly question - TOTAL credit card newb here!

Many thanks for any help.

Have you tried Freecycle at all ? That would be better if you don't have money available at present . Alternatively shops like the British heart foundation which sells 2nd hand furniture. It is not a good idea to use credit if you may not be able to make regular repayments.

Rexxsi

Thanks for the help peoples

I can do monthly repayments, but I think my biggest problem is not knowing if I can trust any of these companies? Every time I look up reviews, even of the Argos card, there just seem to be countless people claiming to have been really screwed over by them... I'm half-tempted to think that the person buying the card has been unreliable with repayments or something, but I really have no idea.

Has anyone here had any experience with this card?

[Deleted User]

Rexxsi wrote: »

I can do monthly repayments, but I think my biggest problem is not knowing if I can trust any of these companies? Every time I look up reviews, even of the Argos card, there just seem to be countless people claiming to have been really screwed over by them...

It's more an issue of whether the companies can trust the customer. Some customers either have no intention of repaying or want the card to work in a completely different way to the t&cs they signed up to.

All card work in broadly the same way - you buy something, they send you a statement telling you what to pay and when, and you pay it. Follow that and you'll be fine.

Wire

Credit card companies wont give you a long period of credit if you are new to credit. Maximum they will give you is 56 days.
You have to think about how much you need to borrow and over what period you can afford to pay back
In my opnion its not a credit card that you are after but You probably need a perosnal loan from the bank (roughly 8-10%) and that can be paid back over a much longer period.
Credit card companies can often have 40% APR for those new to credit

Not sure about which bank to go to?
Use a credit reference agency such as Experain or equifax and and fill in your personal details and they have a tool that recommends who to turn to based upon your credit history. Membership in Experain is free for the first month but you will have to call to cancel before the month is up

weebit

Register at https://www.noddle.co.uk. they will give your credit file for free and they also suggest your likelihood of getting certain credit cards.

with regards to "trust", well... that's completely subjective. with every company there are going to be customers who have great experience with them and some who will have very bad experiences with them, but its the ones with bad experience who will shout the loudest! i can't recommend certain banks, just chose the card which seems right to you

in addition... if you need to furnish your new home quickly, try freecycle etc to get things for free. you'll be surprised what you can get hold of