Credit card explanation

cymruchris

Dippygoose said:

cymruchris said:

Your challenge may be a lack of credit history.

If you've avoided credit cards for 43 years - you may find that it will be difficult to get the best cards with the longest 0 percent rates purely as you have no borrowing history.

It'll depend on what information is on your credit file - if you've been on the electoral roll for many years at the same address with a couple of current accounts and a utility or two - you should find it easy to qualify for some of the credit building cards - but you might not instantly qualify for the big name cards. (You might - but as I say depends on what's on your history files)

Once you've decided you're interested to try - use the eligibility checkers directly on credit card provider websites - don't use comparison websites. As you've avoided credit cards for so long - bear in mine to only apply for ONE card - don't make multiple applications (particularly if turned down) - as each FULL application results in a hard search. One or two every 6 months is fine - but ten in a week trying each and every credit card will throw red flags up everywhere.

My credit history is quite good on Credit Karma its 601 out of 710 as I’ve had loans and stuff like that, just never a credit card.

That should improve your chances then as it's all about positive credit history - the more info that's there - the more likely they will say yes. Just as a side note - the score means nothing - only you see it. As I mentioned - go direct to the card providers website that you're interested - and use their eligibility checker to see the likelihood of approval before applying. Hopefully you'll get a positive result.