Is GiffGaff refurbished phone, credit?

[Deleted User]

beckysheffield wrote: »

What’s the point of paying of a credit card in full every month.....

It shows you can use credit sensibly.

Just using your debit card tells them nothing about your ability to handle credit. Only that you are probably afraid of it.

Anyway, we're going over old ground here.

bigisi

Deleted_User wrote: »

Anyway, we're going over old ground here.

Exactly, she doesn't listen as can be seen in her other threads "lol".

DCFC79

Follow the advice thats been given. You will get there.

beckysheffield

glentoran99 wrote: »

Paying it off in full shows good management of credit and no interest, "People offering a mortgage" will see your credit history,

Ok. I’m not from a culture of credit cards and I always thought they were for people who didn’t have money. I shall get one.

beckysheffield

Deleted_User wrote: »

It shows you can use credit sensibly.

Just using your debit card tells them nothing about your ability to handle credit. Only that you are probably afraid of it.

Anyway, we're going over old ground here.

What’s the point of having credit if you already have the money in the bank acccount is my argument. I’m a big saver and worked from a young age.

I will get one.

[Deleted User]

beckysheffield wrote: »

What’s the point of having credit if you already have the money in the bank acccount is my argument.

Interest free loan.
Cashback
Rewards
Building a credit history,
Section 75 protection
Chargebacks
Cashflow

Sncjw

How will you get a credit card if you have no job. They will ask for your income

[Deleted User]

I think someones got some unsanctioned time off from school and they're bored

beckysheffield

Deleted_User wrote: »

Interest free loan.
Cashback
Rewards
Building a credit history,
Section 75 protection
Chargebacks
Cashflow

Cool. The only thing that would benefit myself is a chargeback.

[Deleted User]

You can send me the cashback then.