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  • FIRST POST
    • needacreditcard
    • By needacreditcard 3rd Jan 18, 10:42 PM
    • 5Posts
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    needacreditcard
    First credit card
    • #1
    • 3rd Jan 18, 10:42 PM
    First credit card 3rd Jan 18 at 10:42 PM
    Really could do with applying for my first ever credit card asap and I'm overwhelmed by the range of cards out there so I hope someone can help me narrow it down a bit.

    About me: I'm in my twenties, working full time at the moment, living rent free with parents and the only credit I've had to date is a mobile phone contract which has been paid off in full on time every month.

    Why I need a card: to pay for flights and hotel for a holiday simply for the protection a card offers. I have the money in my bank account. Also the hotel requires that you put a credit card down when you arrive. I don't intend on making regular purchases (maybe two to three a year) and will of course be looking to pay off any balance in full at the end of the month.

    Anyone got any suggestions about which card to go for?
Page 1
    • YorkshireBoy
    • By YorkshireBoy 3rd Jan 18, 10:49 PM
    • 30,157 Posts
    • 18,015 Thanks
    YorkshireBoy
    • #2
    • 3rd Jan 18, 10:49 PM
    • #2
    • 3rd Jan 18, 10:49 PM
    Why I need a card: to pay for flights and hotel for a holiday simply for the protection a card offers.
    Originally posted by needacreditcard
    You may not be covered as much as you think, depending on who you actually 'pay'. In other words, you need to buy direct, not through a third party such as an independent travel agent.
    Anyone got any suggestions about which card to go for?
    One provided by the bank that receives your income and pays your bills, because they know more about your financial circumstances than anyone else. If they say no, then you'll need to approach credit-builder card providers such as Aqua, Vanquis, etc, but these may not grant a sufficiently high enough limit for your intended use.
    • boo_star
    • By boo_star 3rd Jan 18, 10:51 PM
    • 1,508 Posts
    • 851 Thanks
    boo_star
    • #3
    • 3rd Jan 18, 10:51 PM
    • #3
    • 3rd Jan 18, 10:51 PM
    Either a subprime card like Aqua, Vanquis, Barclaycard Initial, Capital One Classic or you can try your bank, but I suspect your bank will decline you and even with a subprime card you!!!8217;ll be lucky to get a credit limit that!!!8217;s high enough to stick a holiday on.
    • Gary_Dexter
    • By Gary_Dexter 3rd Jan 18, 10:57 PM
    • 1,288 Posts
    • 736 Thanks
    Gary_Dexter
    • #4
    • 3rd Jan 18, 10:57 PM
    • #4
    • 3rd Jan 18, 10:57 PM
    I agree with others here.

    For a first card you'll maybe get a list between £250 and £500 most likely.

    Not really enough to cover what you're wanting to pay for.

    Especially if you plan in paying it in full each month rather than accrue interest
    • Kim_13
    • By Kim_13 3rd Jan 18, 11:06 PM
    • 1,901 Posts
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    Kim_13
    • #5
    • 3rd Jan 18, 11:06 PM
    • #5
    • 3rd Jan 18, 11:06 PM
    You might find this MSE guide on Holiday Rights useful: https://www.moneysavingexpert.com/travel/holiday-rights

    If you're referring to the Section 75 protection with a credit card, you don't need to pay the full amount on the credit card to get the protection. As little as 1p of each purchase would meet the requirement. If you're booking online the only option to split the bill would be to put the deposit on a credit card, which would also meet the requirement.
    Sealed Pot 11 #520 ~ /£100
    VSP 2018 #9 ~ £19.55/£180.00
    CCCC 2018 #1 ~ £20.75/£180.00
    • boo_star
    • By boo_star 4th Jan 18, 5:05 AM
    • 1,508 Posts
    • 851 Thanks
    boo_star
    • #6
    • 4th Jan 18, 5:05 AM
    • #6
    • 4th Jan 18, 5:05 AM
    You might find this MSE guide on Holiday Rights useful: https://www.moneysavingexpert.com/travel/holiday-rights

    If you're referring to the Section 75 protection with a credit card, you don't need to pay the full amount on the credit card to get the protection. As little as 1p of each purchase would meet the requirement. If you're booking online the only option to split the bill would be to put the deposit on a credit card, which would also meet the requirement.
    Originally posted by Kim_13
    It would also require the flights and accommodation to be valued at over £100 seperately unless they booked it as a package.
    • PeacefulWaters
    • By PeacefulWaters 4th Jan 18, 6:53 AM
    • 8,318 Posts
    • 10,656 Thanks
    PeacefulWaters
    • #7
    • 4th Jan 18, 6:53 AM
    • #7
    • 4th Jan 18, 6:53 AM
    If you're registered to vote, working and operating a current account without issue, start with your bank. If it's Halifax, I suggest Clarity Card which will also reduce the cost of spending abroad.

    If it's Barclays, they also have a travel credit card that has similar overseas use benefits.

    If you're unsuccessful, the list in post #3 is a good guide.

    Based on what you've posted, I think you'll have a reasonable chance of acceptance.
    • Jpc1187
    • By Jpc1187 4th Jan 18, 7:49 AM
    • 12 Posts
    • 1 Thanks
    Jpc1187
    • #8
    • 4th Jan 18, 7:49 AM
    • #8
    • 4th Jan 18, 7:49 AM
    Hi all I'm new to this so bare with me, I have recently applied for a mortgage with my current bank to which was accepted until I was told yesterday that I have a unpaid credit card default back from 2009 which I had totally for got about, the credit card provider was also my current bank which I applied to would this still cause me problems if I was to apply with another lender with it being nearly 10 years old?
    • eDicky
    • By eDicky 4th Jan 18, 7:52 AM
    • 3,513 Posts
    • 1,696 Thanks
    eDicky
    • #9
    • 4th Jan 18, 7:52 AM
    • #9
    • 4th Jan 18, 7:52 AM
    In addition to the above suggestions there is the Aqua Reward credit card, easier to obtain than others, fee-free for non-sterling purchases and gives 0.5% cashback.

    If your holiday is several months away and you use the card regularly, paying off the balance in full after receiving your statement, you may be given an increase in credit limit before you go.

    Whilst away, you could conserve your available credit limit for use when it's necessary, such as the hotel check-in, by having other fee-free means to pay for things, such as a Starling Bank card (apply for the credit card first) and/or Revolut or Loot prepaid, both of which entail no credit check. Anyway it's important to have more than one source of funds when traveling.
    • zx81
    • By zx81 4th Jan 18, 7:53 AM
    • 17,240 Posts
    • 18,326 Thanks
    zx81
    Hi all I'm new to this so bare with me, I have recently applied for a mortgage with my current bank to which was accepted until I was told yesterday that I have a unpaid credit card default back from 2009 which I had totally for got about, the credit card provider was also my current bank which I applied to would this still cause me problems if I was to apply with another lender with it being nearly 10 years old?
    Originally posted by Jpc1187
    Assuming it doesn't show on your files, no.
    • Jpc1187
    • By Jpc1187 4th Jan 18, 7:57 AM
    • 12 Posts
    • 1 Thanks
    Jpc1187
    No I can't seem to find it on my credit files I was told from the bank that the problem was because they still had this on there records I'm just a little confused as to weather or not anybody else would be able to find it?
    • zx81
    • By zx81 4th Jan 18, 7:58 AM
    • 17,240 Posts
    • 18,326 Thanks
    zx81
    I gave you the answer above.
    • Jpc1187
    • By Jpc1187 4th Jan 18, 7:59 AM
    • 12 Posts
    • 1 Thanks
    Jpc1187
    Thank you zx81
    • needacreditcard
    • By needacreditcard 4th Jan 18, 6:32 PM
    • 5 Posts
    • 0 Thanks
    needacreditcard
    Thanks for the responses guys. My bank is Natwest so will try them first.
    • needacreditcard
    • By needacreditcard 4th Jan 18, 6:36 PM
    • 5 Posts
    • 0 Thanks
    needacreditcard
    If you're registered to vote, working and operating a current account without issue, start with your bank. If it's Halifax, I suggest Clarity Card which will also reduce the cost of spending abroad.

    If it's Barclays, they also have a travel credit card that has similar overseas use benefits.

    If you're unsuccessful, the list in post #3 is a good guide.

    Based on what you've posted, I think you'll have a reasonable chance of acceptance.
    Originally posted by PeacefulWaters
    Yes I am registered to vote, got a current account with a healthy balance with Natwest.
    • needacreditcard
    • By needacreditcard 4th Jan 18, 6:39 PM
    • 5 Posts
    • 0 Thanks
    needacreditcard
    In addition to the above suggestions there is the Aqua Reward credit card, easier to obtain than others, fee-free for non-sterling purchases and gives 0.5% cashback.

    If your holiday is several months away and you use the card regularly, paying off the balance in full after receiving your statement, you may be given an increase in credit limit before you go.

    Whilst away, you could conserve your available credit limit for use when it's necessary, such as the hotel check-in, by having other fee-free means to pay for things, such as a Starling Bank card (apply for the credit card first) and/or Revolut or Loot prepaid, both of which entail no credit check. Anyway it's important to have more than one source of funds when traveling.
    Originally posted by eDicky
    Thanks, I was planning on getting a prepaid card and a bit of cash for most if not all purchases when I'm actually out there.
    • needacreditcard
    • By needacreditcard 4th Jan 18, 6:46 PM
    • 5 Posts
    • 0 Thanks
    needacreditcard
    I agree with others here.

    For a first card you'll maybe get a list between £250 and £500 most likely.

    Not really enough to cover what you're wanting to pay for.

    Especially if you plan in paying it in full each month rather than accrue interest
    Originally posted by Gary_Dexter
    Thanks for the heads up, hotel plus flights should be around £400 but will have backup options if my limit is below that.
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