First time credit card.

Lurist

Hello, I am 21 and I have never had a credit card. I have had 2 phone contracts out before and have never missed a payment, as a result my Credit score is a 998.
I am wanting a 0% credit card if possible but I'm wanting the best choices available, What are your suggestions? I did a soft credit search and was only 60% chance of being accepted.

Many Thanks
K

Candyapple

The soft search isn't a guaranteed indicator of acceptance or decline, only way you can find out is by actually applying. Have a look at the link below and decide which card best fits your purpose.

http://www.moneysavingexpert.com/credit-cards/best-0-credit-cards?_ga=1.190497323.1063870239.1423562985

Paully232000

Lurist wrote: »

Hello, I am 21 and I have never had a credit card. I have had 2 phone contracts out before and have never missed a payment, as a result my Credit score is a 998.
I am wanting a 0% credit card if possible but I'm wanting the best choices available, What are your suggestions? I did a soft credit search and was only 60% chance of being accepted.

Many Thanks
K

I would suggest that you contact your bank first to see if they will offer you a CC, as with such a limited credit history you may struggle to get another card. With the exception of possibly credit builder cards like Aqua (but do pay them off in full at the end of the month).

Why do you want a 0% card, for purchases? You may struggle to get offers like this , again, due to your limited use of credit.

look at this section here
What's the best card to rebuild my score?

http://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards

MrJester

Paully232000 wrote: »

I would suggest that you contact your bank first to see if they will offer you a CC, as with such a limited credit history you may struggle to get another card. With the exception of possibly credit builder cards like Aqua (but do pay them off in full at the end of the month).

Why do you want a 0% card, for purchases? You may struggle to get offers like this , again, due to your limited use of credit.

look at this section here
What's the best card to rebuild my score?

http://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards

Bear in mind credit cards with your bank can be risky (for things like if you owe them money on the credit card, they can take money to pay for it from your bank account without asking)

Lurist

I am wanting to use the card to pay for a holiday (or part of) and I can't afford it in one lump sum.
If I had a 0% CC I could pay the balance in the 0% allotted time frame.