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I want to beat Santander's CC charges...
FoxyVixen007
Posts: 1 Newbie
Hi folks, I'm turning to you for advice as I'm sure they'll be a few out there who can help me 
A year or so ago I decided that as I had never taken out any higher purchase/loans/ cc etc that i probably would have quite an average credit rating, and as I want to buy a house in the coming years, it might be wise to take out a credit card (purely for the odd purchase, to then be paid back in full at the end of each month, such as a train ticket, just to demonstrate sensible borrowing) .
I turned to my trusted back, at the time of 11 years - Santander.
They accepted me for their 123 cc. But now as their monthly fee is changing to £3 a month, and I rarely use this card, it seems silly to stick with them. I've phoned them and told them I'll leave, and they've said there is no movement on that fee.
Before i do go ahead and cancel it, are there any cc's out there for someone in my position that would be ideal? I tried looking through the guides but they are quite specific such as best for balance transfers and best for bad credit rating but i have neither - i just want something with no monthly fee, I'm not bothered about cashback (as i rarely spend on it) purely to keep demonstrating good borrowing/ get an excellent credit rating.
Any help gratefully received!
(ps I switched my current account from them because of their new fees, 11 years and they could do nothing for me!)
A year or so ago I decided that as I had never taken out any higher purchase/loans/ cc etc that i probably would have quite an average credit rating, and as I want to buy a house in the coming years, it might be wise to take out a credit card (purely for the odd purchase, to then be paid back in full at the end of each month, such as a train ticket, just to demonstrate sensible borrowing) .
I turned to my trusted back, at the time of 11 years - Santander.
They accepted me for their 123 cc. But now as their monthly fee is changing to £3 a month, and I rarely use this card, it seems silly to stick with them. I've phoned them and told them I'll leave, and they've said there is no movement on that fee.
Before i do go ahead and cancel it, are there any cc's out there for someone in my position that would be ideal? I tried looking through the guides but they are quite specific such as best for balance transfers and best for bad credit rating but i have neither - i just want something with no monthly fee, I'm not bothered about cashback (as i rarely spend on it) purely to keep demonstrating good borrowing/ get an excellent credit rating.
Any help gratefully received!
(ps I switched my current account from them because of their new fees, 11 years and they could do nothing for me!)
0
Comments
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Well the obvious suggestion would be to approach the bank you switched from Santander to...wouldn't it?0
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