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First Credit Card

I'm trying to help my daughter get her first credit card. The two we have applied for have said she is unlikely to get one (one is her current bank where she has a few K savings). She is an apprentice on a low wage - but she lives at home and really only pays for her car and clothes. I want her to set up a dd to pay in full each month and only put her fuel on it - just in order to start building a credit rating. I'd even guarantee it! How do we get one?????

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Apply to one of the sub prime lenders. Aqua, Vanquis, etc.
  • Dobbibill
    Dobbibill Posts: 4,195 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    If you have already made 2 applications, I would consider this 3rd application to one of the providers zx81 suggests as the last for at least 6 months, regardless of the outcome.

    You don't want her to appear credit hungry which is how she may be perceived with all those searches on her credit file.
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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