lil_g
Member
Registered: 29th Oct 06
User status: Offline
|
Best ones?
Ones that are hard to get?
This will be my first CC, haven't had a loan etc before so credit rating cant be all bad? 
|
Twiggy
Member
Registered: 15th Oct 04
User status: Offline
|
what do are you plans for it??
Balance transfer?
Cash into bank
Spend and pay off every month?
|
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
|
I've got one with A&L, this is the one i use for large buys (like TV's etc) Other then that i dont use it.
I've also got a Nationwide Flex Credit Card. I take this on holidays with me because i can use it for payments over the counter without getting any charges.
Credit cards are all the same if you pay the balance on time IMO
|
lil_g
Member
Registered: 29th Oct 06
User status: Offline
|
Looking for something so I can put something quite large on there and pay it off every month 
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
Citibank Shell Mastercard.
3% on fuel, 1% on all other purchases (cashback, gets knocned off your next bill)
I have one and it's fucking awesome
[Edited on 18-01-2009 by pow]
|
lil_g
Member
Registered: 29th Oct 06
User status: Offline
|
Hmm sounds good pow, especially 3% on petty!
I use about £35 a week so £54.60 for the year 
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
Yeah, plus put a few big expenses on there and your laughing. I'm up to £70 in rebate already, had it 8 months
|
lil_g
Member
Registered: 29th Oct 06
User status: Offline
|
Insurance would be put on there and possibly something else
What's the limit on yours pow?
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
Only £1600 atm, but, you can ask them to up it.
www.shell.co.uk/smc
|
Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
|
I like the sound of that Pow, I spend about £300 on petrol each month. I'll take a look
|
dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
|
My GF hadnt had a CC before, and couldnt get anything except the Capital One card for new people to credit cards. It had a stupid APR of like 38% but its a way of her getting some credit history, she put 4 months worth of purchases on it but paid it off at the end of every month, with a view to upgrading soon to a cashback card. I want a cashback card, but I dont think they will give me one as a student 
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
If you haven't had anything on credit before (including a phone contract) you'll suffer with getting a large credit limit Although you are a Uni student.
For what you're doing, you essentially need the biggest 0% purchases period you can get.
http://www.moneysupermarket.com/cards/
pow, with the cashback card you described, don't you have to pay the balance off full every month to benefit?
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
Yes but whats the point in not paying it back every month?
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
quote:
Originally posted by pow
Yes but whats the point in not paying it back every month?
It'll be useless for Gregg and for his main purchase, he won't gain anything as he won't be paying the balance off full any month?!
|
ash_corsa
Member
Registered: 15th Apr 04
Location: Shrewsbury
User status: Offline
|
quote:
Originally posted by lil_g
haven't had a loan etc before so credit rating cant be all bad?
You wont have a credit rating then! Dont expect big limits if you've no previous credit, something like £300 - £500 topps
Try your bank for a 1st credit card, go in and see them not over phone or net. Usually very helpful
|
lil_g
Member
Registered: 29th Oct 06
User status: Offline
|
Well I have a phone contract and paying insurance off monthly atm if that counts? 
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
It will help. And the fact you're a full time Uni student will also help. With household income, estimate that of everyone who lives there - that will help. Don't bank on getting a big enough credit rating to pay for your insurance. You'll have enough for the deposit, may be.
|
VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
|
Halifax or Bank of Scotland have 0% on purchases. That was my first CC.
This would be ideal
[Edited on 20-01-2009 by VegasPhil]
Corsa 2.0 16v Vegas - Sold
|
VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
|
I bet you get a 1.2k limit too.
Corsa 2.0 16v Vegas - Sold
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
1.6k for meee 
|
Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
|
quote:
Originally posted by lil_g
Well I have a phone contract and paying insurance off monthly atm if that counts?
You have pretty much the same credit as me before I took a loan out, and I got a pretty good rate.
Don't be mistake into thinking it's a 'good' credit rating, you haven't really done much to make it good, it's more in the middle, you have to prove yourself.
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
quote:
Originally posted by pow
1.6k for meee
I have this. I earn about £250/month and am a student 
|
Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
|
I have one for 12k with Lloyds TSB and one for 7k with the Halifax. I also have a 2k overdraft.
I never run up debt more than 1k though, that would just be silly on my wages
Pay your bills on time lads and the bank will give you anything! It's silly the amount of money i have readily available..
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
Why won't they up my limit then? I'm on similar money to you Andrew yet I'm stuck with 1.6k 
|
Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
|
I can't get a CC at all work that one out
|
