Credit Card for a Student

ScottishSaver_3

Hi, I'm new to this forum so please excuse any posting mistakes.
I wonder if anyone has any idea what credit card would be suitable for a student who just wants it for the extra protection (over a debit card) when shopping online. It doesn't need to have a high limit or anything.
I got thinking about it when I was in the Bank of Scotland (where my accounts are) and they suggested that I might want one, I said no at the time but since then I thought it might be quite a good idea. Is theirs any good for instance?
Thanks for any help.

influence

I think a credit card is good for those who has the discipline on money. I, for one, have two credit card when I was a student. I am not a big spender. Rather I can better manage my money and leave my money in my account for whatsoever reasons (interest in most cases). I practically pay for everything using my credit card except rent and it can mount up to a couple of hundreds a month.

I think having a credit card with your current bank is ok. There are also some cards with cashback which might be good for you as well. Every tiny saving helps. I am not sure about the requirements for applying those card as a student though.

Of course, credit card is 'more safe' for online shopping and ebay. I think it also gives you access to clubs easier (no promise) as an identification of age if you don't carry your ID ard.

CLAPTON

your first port of call should be your own bank.

your're unlikely to get a cash back as a first card.

In any event, set up a Direct Debit for the full amount so you never have to pay those high APRs.

ScottishSaver_3

Thanks to both of you. Sounds like I probably would be as well to get one through the bank since it sounds like I probably wouldn't get one with any cashback or other bonus things at my age, I would be paying it off right away anyway so a direct debit sound like the best plan.