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Author Credit Cards
lil_g
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Registered: 29th Oct 06
User status: Offline
18th Jan 09 at 21:55   View User's Profile U2U Member Reply With Quote

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
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Registered: 15th Oct 04
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18th Jan 09 at 21:56   View User's Profile U2U Member Reply With Quote

what do are you plans for it??

Balance transfer?
Cash into bank
Spend and pay off every month?
Aaron
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Registered: 9th Aug 04
Location: Cottingham, East Riding
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18th Jan 09 at 21:58   View User's Profile U2U Member Reply With Quote

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
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Registered: 29th Oct 06
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18th Jan 09 at 22:19   View User's Profile U2U Member Reply With Quote

Looking for something so I can put something quite large on there and pay it off every month
pow
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Registered: 11th Sep 06
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18th Jan 09 at 22:31   View Garage View User's Profile U2U Member Reply With Quote

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
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Registered: 29th Oct 06
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18th Jan 09 at 22:37   View User's Profile U2U Member Reply With Quote

Hmm sounds good pow, especially 3% on petty!

I use about 35 a week so 54.60 for the year
pow
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Registered: 11th Sep 06
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18th Jan 09 at 22:38   View Garage View User's Profile U2U Member Reply With Quote

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
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Registered: 29th Oct 06
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18th Jan 09 at 22:39   View User's Profile U2U Member Reply With Quote

Insurance would be put on there and possibly something else

What's the limit on yours pow?
pow
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Registered: 11th Sep 06
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18th Jan 09 at 22:54   View Garage View User's Profile U2U Member Reply With Quote

Only 1600 atm, but, you can ask them to up it.

www.shell.co.uk/smc
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
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19th Jan 09 at 01:27   View User's Profile U2U Member Reply With Quote

I like the sound of that Pow, I spend about 300 on petrol each month. I'll take a look
dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
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19th Jan 09 at 07:53   View User's Profile U2U Member Reply With Quote

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
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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19th Jan 09 at 09:09   View User's Profile U2U Member Reply With Quote

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
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Registered: 11th Sep 06
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19th Jan 09 at 13:36   View Garage View User's Profile U2U Member Reply With Quote

Yes but whats the point in not paying it back every month?
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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19th Jan 09 at 15:18   View User's Profile U2U Member Reply With Quote

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
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Registered: 15th Apr 04
Location: Shrewsbury
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19th Jan 09 at 23:14   View User's Profile U2U Member Reply With Quote

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
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Registered: 29th Oct 06
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20th Jan 09 at 10:18   View User's Profile U2U Member Reply With Quote

Well I have a phone contract and paying insurance off monthly atm if that counts?
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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20th Jan 09 at 10:24   View User's Profile U2U Member Reply With Quote

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
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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20th Jan 09 at 12:02   View Garage View User's Profile U2U Member Reply With Quote

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]


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VegasPhil
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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20th Jan 09 at 12:04   View Garage View User's Profile U2U Member Reply With Quote

I bet you get a 1.2k limit too.


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pow
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Registered: 11th Sep 06
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20th Jan 09 at 14:57   View Garage View User's Profile U2U Member Reply With Quote

1.6k for meee
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
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20th Jan 09 at 14:59   View User's Profile U2U Member Reply With Quote

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
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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20th Jan 09 at 20:05   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by pow
1.6k for meee

I have this. I earn about 250/month and am a student
Andrew
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Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
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20th Jan 09 at 22:21   View User's Profile U2U Member Reply With Quote

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
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Registered: 11th Sep 06
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21st Jan 09 at 08:30   View Garage View User's Profile U2U Member Reply With Quote

Why won't they up my limit then? I'm on similar money to you Andrew yet I'm stuck with 1.6k
Fro
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Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
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21st Jan 09 at 10:55   View User's Profile U2U Member Reply With Quote

I can't get a CC at all work that one out

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