some advice needed please

treble8

I have never had a credit card before ,my main use would be to pay for things on the internet flights, etc mainly for security reasons. I would not use any overdraught facillity and if possible just set up a direct debit from my bank anyone working along same lines advise any card to sign up for

CLAPTON

You dont give much detail about your situation but if your credit records are a bit bare (i.e. no or not much history of credit) then firstly try your bank then try cards for 'beginners' like Barclaycards Initial.

Karl.H_2

treble8 wrote: »

I would not use any overdraught facillityr

When you use a credit card you borrow from it. Then, at the end of the month your card company uses the Direct Debit you've set-up to claim either the minimum or full amount (full amount being your choice). So credit cards do not operate an overdraft facility; think of it as a loan for a month.

So, here's some credit cards:
Barclaycard Student
Capital One Classic Visa Card
If you cannot get the above cards:
Aquacard

P.S. Don't be put off my the high APR, as paying off in full each month will save you from it.

Karl.H_2

Sorry, for some reason I assumed you were a student. Anyway, CLAPTON is correct, look into the card he suggested as well.

treble8

I am a self employed builder its just that i am a bit of a dinosuar with regards these things as i usually save enough cash then spend, i have a motrtgage and have never missed a payment, and have had some loans for cars .credit rating would be good i would imagane.

Karl.H_2

Self-employment has no advantages when it comes to getting credit. If I was you, I'd read through the link suggested and see which card you'd prefer. Then, once you're credit rating improves, you can apply for better cards.

treble8

Thanks for your help guys. capital one should be fine.

Karl.H_2

treble8 wrote: »

Thanks for your help guys. capital one should be fine.

I have been accepted for the Capital One Classic Visa card, so can see no reason whey you wouldn't be accepted. I am currently posting the progress of my own application, which may help you estimates how long it will take! Click here.

Best of Luck :beer: