Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
|
Any of you lot got one?
Decided i'd better build up a credit history, so plan is to get one and just use it for petrol
Then end of every month pay it off straight away
Looking on a few sites, but nothing looks decent yet 
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
quote:
Originally posted by J-Me
Decided i'd better build up a credit history, so plan is to get one and just use it for petrol
Yeh but then u see somthing u really want, and have to buy it!
|
Rileysport
Member
Registered: 18th Jun 04
Location: West Yorkshire
User status: Offline
|
Sound idea in principle... till you find a pub that takes it
|
CCA
Member
Registered: 6th Dec 04
Location: Somewhere Drives: Not a bloody Vauxhall!
User status: Offline
|
It will never just be used to pay for petrol, you will see something you want and manage to justify it to yourself and there starts the downward spiral
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
Then you will miss a payment and then you will fuck it off and wait for letters from solicitors 
|
Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
|
ANYWAY
Credit cards aimed at students?
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
Yes, and all these people that are like 'oo ner i control my finances'
Well bullshit ... if somthing goes wrong with ur car ... u put it on credit card.
If u didnt have a credit card ud find another way!
Getting a contract phone and store cards builds up ur credit rating 
|
Planty02
Member
Registered: 5th Mar 05
Location: Burslem, Stoke-on-Trent
User status: Offline
|
Barclays seem to offer a good student package
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
quote:
Originally posted by J-Me
ANYWAY
Credit cards aimed at students?
http://www.thebigchoice.com/Student_credit_cards/
http://www.moneysupermarket.com/Cards/credit_card.asp?gsl=1&p=0&bbcam=Adwds%5FCreditCards&bbkid=student+credit+card&x
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
quote:
Originally posted by Ally
Yes, and all these people that are like 'oo ner i control my finances'
Well bullshit ... if somthing goes wrong with ur car ... u put it on credit card.
If u didnt have a credit card ud find another way!
Getting a contract phone and store cards builds up ur credit rating
Very true, on the other hand if they put a stop on your account you can't do anything 
|
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
|
quote:
Originally posted by J-Me
Any of you lot got one?
Decided i'd better build up a credit history, so plan is to get one and just use it for petrol
Then end of every month pay it off straight away
Looking on a few sites, but nothing looks decent yet
get one don't use it
|
Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
|
Thought you had to use it to build up a credit history?
If not i'll easily cut the card up when it comes though
Ally - as said above i'm not interested in what everyone else's will power is like 
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
quote:
Originally posted by J-Me
Thought you had to use it to build up a credit history?
If not i'll easily cut the card up when it comes though
Ally - as said above i'm not interested in what everyone else's will power is like
quote:
Originally posted by Ally
quote:
Originally posted by J-Me
ANYWAY
Credit cards aimed at students?
http://www.thebigchoice.com/Student_credit_cards/
http://www.moneysupermarket.com/Cards/credit_card.asp?gsl=1&p=0&bbcam=Adwds%5FCreditCards&bbkid=student+credit+card&x
I wont bother next time
|
CCA
Member
Registered: 6th Dec 04
Location: Somewhere Drives: Not a bloody Vauxhall!
User status: Offline
|
if you want to build your credit history them get it, use it and after 6 months or so the credit limit increases then return it and apply for another but make your payments on time
|
Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
|
Seems so stupid to give a student a credit card. Most people who work can use the credit card, as they know they'll get paid at the end of the month... Students however their money only goes downwards - so you buy something big on the card, and won't be able to pay it off
|
Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
|
Ally - 
CCA - making payments on time wont be a problem as its going to be based on £80-£100 worth of petrol monthly
|
ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
|
ive got two credit cards had them since i was 18 and im a student had a part time job but just left the other week, ive got nothing on the credit cards and have used them once or twice and paid them straight off.
if people find it difficult to not physically take a card out and give it to someone in a shop ect, when they know they shouldnt then they lack will power.
its not hard to not use it seriously.
|
Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
|
Not neccasarily aimed at stuidents, but Egg gave me a credit card with a £750 limit when i had fuck all money, or credit history.
They're crap, but if you're desperate
(I know have a 2,700 loan to pay off because of it... i'm not too good with money )
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
quote:
Originally posted by Cavey
Not neccasarily aimed at stuidents, but Egg gave me a credit card with a £750 limit when i had fuck all money, or credit history.
They're crap, but if you're desperate
(I know have a 2,700 loan to pay off because of it... i'm not too good with money )
U sound like me
|
Icy
Member
Registered: 31st Jan 01
Location: Edinburgh Drives: Mk3 Golf Gti
User status: Offline
|
am a student with a credit card
sucks 
dont have a loan or bursary so use that now n again
|
corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
|
i got a halifax credit card, £350 limit, i only use it to buy stuff online or mail order, dnt really impulse buy with it, paid it off every month for the 2 years ive had it
|
corsa|chris
Member
Registered: 17th Nov 05
Location: Staffordshire
User status: Offline
|
The best rates I found came through HSBC, who my student account is with.
They keep raising the limit tho! Started off £500 first year, now its £2300 final year
|
S12CKY
Member
Registered: 6th Jul 04
Location: Morpeth, Northumberland
User status: Offline
|
i've got an egg card, went over my limit by accident (tried to pay off a chunk but got there a day late) and they increased my limit for me after that, apart from that, never had a problem looking after my money
i just want to know, do any cards charge u interest on everything u buy no matter what? i have my egg card set up direct debit and it just takes the mnoey when i owe it and its due. but if i set this up with other cards, will they still charge interest, or do u only get charged interest if u dont pay it all off at once?
cheers
|
