Is GiffGaff refurbished phone, credit?
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beckysheffield
Posts: 328 Forumite
I need to build up credit and a new phone.
https://www.giffgaff.com/mobile-phones/apple/apple-iphone-7-refurbished/phone-details
This looks promising. If I pay £200 today, and have a low monthly cost, but 18% APR, will it help my credit?
I have no job, haven’t lived in the UK for a long time etcc.
I would like the new iPhone, would I be able to get a phone at Carphone warehouse etc?
https://www.giffgaff.com/mobile-phones/apple/apple-iphone-7-refurbished/phone-details
This looks promising. If I pay £200 today, and have a low monthly cost, but 18% APR, will it help my credit?
I have no job, haven’t lived in the UK for a long time etcc.
I would like the new iPhone, would I be able to get a phone at Carphone warehouse etc?
0
Comments
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You have no job, you cant afford a new iphone0
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glentoran99 wrote: »You have no job, you cant afford a new iphone
Thanks dad.
But yes I can. I can afford to buy several outright, and some more....0 -
Buy it outright.
Carry an interest bearing small debt tells lenders you're struggling.0 -
Deleted_User wrote: »Buy it outright.
Carry an interest bearing small debt tells lenders you're struggling.
Ok cool thanks.....
So how am I going to get credit history if I can’t get it on the small needs I need lol.0 -
Have you tried a credit card?0
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Deleted_User wrote: »Have you tried a credit card?
Not yet.
Was looking for advice (on a previous thread).0 -
Get a card - any card - use it and clear in full each month.0
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beckysheffield wrote: »Not yet.
Was looking for advice (on a previous thread).
5 months ago, the best advice was the first reply0 -
glentoran99 wrote: »https://forums.moneysavingexpert.com/showpost.php?p=73685498&postcount=2
5 months ago, the best advice was the first reply
Thanks.
I was thinking that multiple credit would be good?
What’s the point of paying of a credit card in full every month..... I don’t see how it’s any better then sticking to a monthly budget which most of us do? Would the people offering me a mortgage see that on their computer or is it what I tell them?
What about a phone contract, good credit history? Or is a credit card all I need?0 -
beckysheffield wrote: »Thanks.
I was thinking that multiple credit would be good?
What!!!8217;s the point of paying of a credit card in full every month..... I don!!!8217;t see how it!!!8217;s any better then sticking to a monthly budget which most of us do? Would the people offering me a mortgage see that on their computer or is it what I tell them?
What about a phone contract, good credit history? Or is a credit card all I need?
Paying it off in full shows good management of credit and no interest, "People offering a mortgage" will see your credit history,0
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