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Credit Card for somebody with defualts
Comments
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Just a suggestion but do you need a CC? A lot of current accounts now offer Virtual cards specifically for this purpose? I am on a self managed DMP and managed to get an account set up with Revolut and use that for my online purchases?The 365 Day 1p Challenge 2026 #26 £366.60/£667.95Save £12k in 2026 #12 £5288.83/£7500
Car Loan Dec 25- £14,114.74 (60mth)
Jan 26- £9857.07 (42mth)
Feb 26- £6438.83 (28mth)
Mar 26- £5930.87 (26mth)
Apr 26 - £4158.00 (18mth)0 -
A credit card for me, with a small and manageable limit, builds a positive credit history for me. Something that a virtual Revolut card won't do?
What about purchase protection? Do you get that from Revolut?
There are times for me when a higher limit would be useful i.e. car hire in the US. Hire a car there for say 5 days, and a virtual card, pre-paid card or debit card in most cases, if not all, won't help with insurance / holds etc.
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