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justrials2

Member

Registered: 12th Jul 05
User status: Offline

25th Sep 06 at 18:39

i have allways saved up for what i have wanted but recently my wages went up to £376 a week after tax an all that crap an i only owe £80 a week out for keep an car insurance. but am looking to do quite alot to my car over the next few weeks . An in work we have got a job on where i get an extra £75 cash a week .so i was thinking of getting a credit card so i can get the stuff i want an pay it all of by xmas .

wot are your veiws on credit cards an are the any good deals about at the moment.

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

25th Sep 06 at 18:41

Good and bad.

How old are you? They are worth it and have merits, but if mis treated can be very, very bad.

justrials2

Member

Registered: 12th Jul 05
User status: Offline

25th Sep 06 at 18:42

am 21 never had one .good credit history paid all bills on time ect.jus wud mean i wud be able to order the parts an fit them all over the winter

daz_SRi

Member

Registered: 9th Apr 06
Location: Wolverhampton Drives: Astra 1.6
User status: Offline

25th Sep 06 at 18:44

Wouldnt ever touch one, If i cant afford something, save up and get it when i can.

John G

Member

Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline

25th Sep 06 at 18:50

nt worth it matey wen u have the cash in your hand thats when u shoud get the parts, simple as saves any sleeples nights

Marc

Member

Registered: 11th Aug 02
Location: York
User status: Offline

25th Sep 06 at 18:53

quote:
Originally posted by daz_SRi
Wouldnt ever touch one, If i cant afford something, save up and get it when i can.

I only use mine when I can't use cash/debit card or online. I did however pay for my tyres with the credit card as I couldn't afford to pay in one go. Not something I want to get in to the habit of.

Mather.16v

Member

Registered: 1st Nov 04
Location: Stockport
User status: Offline

25th Sep 06 at 18:59

instead of gettin a credit card i incresed my over draft limit, there about the same rate and makes me pay it off quicker when i see im overdrawn

Mark Petty

Member

Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
User status: Offline

25th Sep 06 at 19:00

quote:
Originally posted by daz_SRi
Wouldnt ever touch one, If i cant afford something, save up and get it when i can.

If your sensible though and can manage your funds you can use a credit card for its advantages such as the 0% interest rates etc.
As long as you pay the debt off at the end of each month you will have nothing to worry about and also having a card helps your credit rating

abdus

Member

Registered: 23rd Feb 06
User status: Offline

25th Sep 06 at 19:09

quote:
Originally posted by Mark Petty

If your sensible though and can manage your funds you can use a credit card for its advantages such as the 0% interest rates etc.
As long as you pay the debt off at the end of each month you will have nothing to worry about and also having a card helps your credit rating

agree..........

I use only credit cards

Jamie Walby

Member

Registered: 15th Nov 04
User status: Offline

25th Sep 06 at 19:11

I have a credit card and have never got myself into any trouble.

LIke Mark said so long as you clear the bill end of each month so dont incurr any interest there isnt really a problem.

Nath

Member

Registered: 3rd Apr 02
Location: MK
User status: Offline

25th Sep 06 at 19:11

quote:
Originally posted by Marc

quote:
Originally posted by daz_SRi
Wouldnt ever touch one, If i cant afford something, save up and get it when i can.

I only use mine when I can't use cash/debit card or online. I did however pay for my tyres with the credit card as I couldn't afford to pay in one go. Not something I want to get in to the habit of.

Same, mine is for emergencies. IMO its silly not to have one, especially as if you dont use them they dont cost anything.

Mase

Premium Member

Registered: 16th Sep 01
Location: Derbyshire
User status: Offline

25th Sep 06 at 19:12

I only really use mine for petrol and expences and that, but only as much as i know i can afford to pay back when i'm paid at the end of the month...

Mase

John

Member

Registered: 30th Jun 03
User status: Offline

25th Sep 06 at 19:14

I buy everything on credit card and get cashback.

Rob H

Member

Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline

25th Sep 06 at 19:25

As has been said, shop about for 0% on purchases for the first few months, if youve got a good credit score, you should have no probs getting one.

http://www.moneysupermarket.com/cards/credit_card.asp

gooner_47

Member

Registered: 20th Jul 04
Location: Bexhill/Croydon
User status: Offline

25th Sep 06 at 19:34

i'm looking to do the same, just get one to pay for petrol etc, then pay it all off at the end of the month.

i'm 21 with no credit history (main reason i want to get one) - would i have any problems getting one?

Rob H

Member

Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline

25th Sep 06 at 19:58

Depends how much youve got coming in, going out, if you've got a student loan/student account etc. As long as you have no bad debts etc and a decent wage coming in you should be fine.

The mint card has 0% on purchases till July!

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

25th Sep 06 at 20:00

DON'T DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

corsa_chelle

Member

Registered: 6th Sep 06
Location: North Yorkshire
User status: Offline

25th Sep 06 at 20:02

quote:
Originally posted by Robbo
DON'T DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

John

Member

Registered: 30th Jun 03
User status: Offline

25th Sep 06 at 20:06

Why not?

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

25th Sep 06 at 20:08

If you are just getting one to use and pay off at the end of each month just use a debit card and avoid the hassle and temptaion!!!

John

Member

Registered: 30th Jun 03
User status: Offline

25th Sep 06 at 20:10

It's not a hassle though.
I pay everything through my credit card and get cashback.
Unless you get a cashback debit card why not get paid money, no matter how little, for using a different card?

[Edited on 25-09-2006 by John]

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

25th Sep 06 at 20:10

Temptation

John

Member

Registered: 30th Jun 03
User status: Offline

25th Sep 06 at 20:12

Fair enough if you know you can't control the spending don't get one.
Or get one with a direct debit to pay off in full every month and a small enough limit that you can easily deal with.

Robbo

Member

Registered: 6th Aug 02
Location: London
User status: Offline

25th Sep 06 at 20:14

Yesh... but even them, they automatically up it for you and the onus is on you to decline it!

1_Litre_Porsche_Beater

Member

Registered: 9th Apr 02
Location: Kent
User status: Offline

26th Sep 06 at 14:59

I only use mine for the benefits you get and pay what i owe each month. When i was younger (21 now) i used to just max them and pay minimum amounts.

Don't fall into that rut.

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