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  • FIRST POST
    • Sandy8100
    • By Sandy8100 29th Dec 17, 7:13 PM
    • 1Posts
    • 0Thanks
    Sandy8100
    My First Credit Card
    • #1
    • 29th Dec 17, 7:13 PM
    My First Credit Card 29th Dec 17 at 7:13 PM
    I have reached the grand old age of 59 without ever having, wanting or needing a credit card, but I'm going to Australia and New Zealand again soon and really need to get one. When I went last time I was shocked by the amount of bank charges I incurred, so I think a credit card is needed.
    I will set up a direct debit to pay each month, but I don't know which is the best one to get. I've looked at the reviews but find myself going round in circles.
    Any advice or recommendations gratefully appreciated.
Page 1
    • Superscrooge
    • By Superscrooge 30th Dec 17, 6:28 AM
    • 1,081 Posts
    • 775 Thanks
    Superscrooge
    • #2
    • 30th Dec 17, 6:28 AM
    • #2
    • 30th Dec 17, 6:28 AM
    Try the eligibility checker to see which travel credit card you are likely to be accepted for? As you have not had a credit card, your choice for a specialist travel card might be limited

    https://creditcards.moneysavingexpert.com/?travel&_ga=2.192860078.582815714.1514446126-847664279.1498818933

    I've always used Halifax Clarity CC for overseas spending. No foreign currency transaction fees and widely accepted
    • Dobbibill
    • By Dobbibill 30th Dec 17, 7:54 AM
    • 3,144 Posts
    • 4,053 Thanks
    Dobbibill
    • #3
    • 30th Dec 17, 7:54 AM
    • #3
    • 30th Dec 17, 7:54 AM
    I agree with Superscrooge - you may struggle to be accepted if you have no CC history but worth trying an application if your results are fair on the eligibility checker. Although Aqua should be reasonably easy to get anyway.

    Should you not be eligibile for a CC, it may be worth reading this about pre-paid cards https://www.moneysavingexpert.com/travel/cheap-travel-money
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    It's not about being the best -
    It's about being better than you were yesterday.
    • MallyGirl
    • By MallyGirl 1st Feb 18, 10:01 PM
    • 2,740 Posts
    • 7,746 Thanks
    MallyGirl
    • #4
    • 1st Feb 18, 10:01 PM
    • #4
    • 1st Feb 18, 10:01 PM
    Jon - I moved your thread to the main credit card forum so it gets more views

    You can find it here:
    http://forums.moneysavingexpert.com/showthread.php?p=73817723&posted=1#post73817723
    I'm a Board Guide on the Debt-free Wannabe, Loans & Credit Cards boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    Any views are mine and not the official line of MoneySavingExpert.com.
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