First Credit Card

PhillipIngram

I have a couple of big outgoings coming up, namely a wedding and honeymoon.

I have the cash to fund these, however I was thinking about the best way to pay.

I am tempted to get a credit card the added protection I've heard it offers.

I've been reading around and I think a cashback card sounds the most suitable, probably the Aqua Reward.

Does this sound a wise move?

I've never had a credit card before. My clearscore rating is 418.

Thanks!

[Deleted User]

You'll struggle to get a decent card with a thin credit file. Ignore your Clearscore rating. It's not used in credit risk assessment.

The aqua reward is more likely to accept you than others, but you'll get a low limit which may restrict you. However, it may be enough for you to place deposits, which will give you the protection you're looking for.

PhillipIngram

I'm happy to only pay part on the credit card if that's all I need to do to get the protection.

I fully intend to pay the balance each month, so the high APR doesn't bother me.

No foreign fees will be a bonus for the honeymoon too.

I think i'll go for that unless i've missed something?