Capital one card

pennyshahin_2

I've only recently got a credit card never ever had one before, so my limit has only just gone up to £500 a month, i assume that this is not the cashback card because i've only just got it, but is this still better than using my alliance and leicester current account card? , i pay my credit card of monthly

Phantom_Flan_Flinger

There's no real benefit over using your bank card, other than the fact it'll help build your credit history.

ShelfStacker_3

You'd be better off using your bank card to be honest, and only making small purchases on the card each month. Doing that will save you in interest and give a clean payment history to the credit reference agencies, which you can then use to get the better 0%/cashback cards.

If anything, just lock the card in a draw somewhere to stop you spending masses on it on impulse, and maybe whip it out to order a takeaway pizza once a month or something.

missile

See numerous posts re stoozing.
You do not pay for items purchased until your statement and if you save that money you make a profit. Buying with a credit card offers you valuable protection and some cards give free warranty for the items purchased. I would suggest, you set up a direct debit to pay the full balance.

If it is cash back card it ought to say on the blurb. If in doubt, phone and ask.

lisyloo

There's no real benefit over using your bank card

For any items over £100 the card issuer has joint liability, so if something goes wrong (like reatailer goes bust) then you are covered.
I would say use it to build a good history but pay it off on time every month so you don't pay any interest.