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First Cashback Credit Card. When and where to use and not use it?

Applying for my first credit card soon (cashback) but slightly confused on where and on what I should be using it.

I want to use it everyday, like a debit card (but paying off in full every month) on petrol and shopping and online shopping. Is this fine?

Where Should I avoid using a CC?

Thanks

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 October 2014 at 6:45PM
    Yes, this is fine.
    You should avoid ATMs, bureau de change, anything related to gambling. Also all companies that charge extra for CC payments like, say, travel agents, car dealers.
    Beware that some shops don't accept CCs and most bills can't be paid by a CC.
  • And when not to use it... when you can't pay it off in full!
  • first credit card
    If you don't already have a decent credit history, don't expect to get accepted for the best deals, i.e. Cashback cards, 0% purchases etc.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
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