Need Help - Never had a credit card before!

gionnetto

TheBunting wrote: »

I have a credit history. My bank is BOS and they have already pre approved me for both a Classic and Low Rate credit card for upto £2000. I just didn't know if shopping about elsewhere is worth it but for the little use I have for it I don't think thats the case.

Use an eligibility calculator (MSE club has one, also Experian and Totally Money have one), see what you qualify for, then compare what you qualify for with your bank's offer. If you intend to travel, you might qualify for an Aqua card. Some of them have no fee on foreign transactions and/or a short 0% period.

gionnetto

EveryWhere wrote: »

Tandem offers cashback, but charges for ATM withdrawals.

But it requires you to open a Regular Saver account with them, if I am not mistaken.

EveryWhere

gionnetto wrote: »

But it requires you to open a Regular Saver account with them, if I am not mistaken.

What is the criteria for opening the Instant Access Savings account?

[Deleted User]

gionnetto wrote: »

But it requires you to open a Regular Saver account with them, if I am not mistaken.

Not at all

EveryWhere

!!! wrote: »

Not at all

Seems a new requirement for the Cashback card, though not the Journey card;

READY TO APPLY?
To get the Cashback card you will first need to open a free Tandem Instant Access Savings Account, all from the comfort of your phone.

Putting money aside regularly is a good way to make sure you are always able to make the minimum payment (or a bit more if you can) and avoid any late fees.