Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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quote:
Originally posted by Marc
Your issuing bank will almost always give you a card
Have you applied to your bank for one?
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Hammer
Member
Registered: 11th Feb 04
User status: Offline
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quote:
Originally posted by deano87
But don't go mad like getting a car on finance
Crazy bastards, imagine getting a car on finance 
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Twitch
Member
Registered: 3rd Nov 09
Location: Flitwick, Bedfordshire
User status: Offline
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Why not look into a non status mortgage? Its a higher APR but say 7% instead of 5.5% and then after two years your creadit should be more than good enough to switch to a better mortgage provider. 
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John
Member
Registered: 30th Jun 03
User status: Offline
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7% is a massive interest rate at the moment, if 6 months of credit card spending does the trick then that's a much cheaper option.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Hammer
quote:
Originally posted by deano87
But don't go mad like getting a car on finance
Crazy bastards, imagine getting a car on finance
Taking it out of context much...now requote it based on the rest of the sentence.
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Hammer
Member
Registered: 11th Feb 04
User status: Offline
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Imagine he were to take a car on finance with poor MPG?
Crazy, crazy, bastard.
[Edited on 10-08-2014 by Hammer]
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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Mpg doesn't effect how much you can borrow, a car on finance does,
same amount of crazy
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kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
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I'm looking to apply for a mortgage soon and am in the same boat, excellent credit rating but never owned a credit card.
However I've had 3 loans all paid off without missing a payment and bought stuff on finance before, again never missed a payment. Do you think I'll be alright? 
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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quote:
Originally posted by kz
I'm looking to apply for a mortgage soon and am in the same boat, excellent credit rating but never owned a credit card.
However I've had 3 loans all paid off without missing a payment and bought stuff on finance before, again never missed a payment. Do you think I'll be alright?
yes because you said excellent credit rating,
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kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
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Yes but did you seem what the OP said?
"I have a excellent rating but failed due to never having credit" <-- same situation as me (when talking about credit cards)
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John
Member
Registered: 30th Jun 03
User status: Offline
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You've had credit though.
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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You've had loans, so you will be fine.
Corsa 2.0 16v Vegas - Sold
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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I only had car finance and a late credit card payment on my credit history when I got a mortgage and had no issues at all.
Now I seem to be getting credit cards chucked at me. I think if I add up the credit limits of my credit cards (use one for purchases and one for paying off a balance interest free, with 3 other obselete cards) I believe it adds up to around 30k.
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