Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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My bank is healthy, i've got no CCJ's or debts etc. Credit report came back fine recently... But i've never had a credit card.
I'm wanting to apply for one to better my credit rating, and also to protect myself booking a holiday, however i'm worried i'd get declined, and this would make it harder to apply for another / dent my credit history.
Only reason i'm thinking I could get declined, is that 2 direct debits failed to come out by account (but were paid a few days later without issue) around 8 weeks ago, only due to me not realising how much was in that particular account and paid £1000+ for some parking fines which had escalated.
Who would be best to go with? One that has a "We accept any fucker" policy, or someone like Tesco with the potential of being declined?
Thanks for any advice....!
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John
Member
Registered: 30th Jun 03
User status: Offline
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Being declined once won't really affect your credit history.
Could try with tesco first (although I think they might be quite tight) then if that doesn't work try with someone easier.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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Capitol One and Vanquis have credit cards at retard rate to help build rating. You'll be accepted, but be aware its about 40% apr if you don't pay it off 
http://www.capitalone.co.uk/creditcards/classic-credit-card.jsf
https://www.vanquis.co.uk/apply?ref=AG&aff=BTQ_Vanquis_008&utm_source=BeatThatQuote&utm_medium=affiliate&utm_campaign=BTQ_Vanquis_008&_$ja=tsid%3A38563%7Ckw%3ABTQ_Vanquis_008
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Retard rate
Try Virgin 
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Aleex
Member
Registered: 21st Jul 09
Location: Plymouth
User status: Offline
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I'm 20 and have just got one with tesco, 16 months @ 0% , think its only a 2k limit but that's more than I'll ever need + when I buy fuel with it ( always buy 99ron ) goes towards club card points.
Soon as the 16 months is up, will be payed off anyway cut it up, bin it, new card if needed :-)
My first was with my bank at 18.
Tesco card seems win win, go on moneysaving expert :-)
[Edited on 28-06-2012 by Aleex]
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noshua
Member
Registered: 19th Nov 08
User status: Offline
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Yeah go with Tesco as they have a long 0% on purchases, as long as you pay the minimum each month!
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Shouldn't buy stuff you can't afford.
 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i've had natwest, halifax, tesco and barclaycard platinum credit cards and have never been declined.
you'll be fine. i thought the same thing before i got my first one but now theres no need to be worried.
i put holidays, car insurance and big home improvement buys on them and pay them off at 0% apr.
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SXI - Matt
Member
Registered: 8th Jul 07
Location: Leicestershire Drives: Corsa C SRI
User status: Offline
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I have a tesco one and a nationwide one got both when i was younger no problem at all, my 0% interest is long over now with the tesco one, but i just use it now for fuel and pay it off straight away, gives me double points on fuel and keeps it active, points soon rack up to :-)
[Edited on 29-06-2012 by SXI - Matt]
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