Looking to get a Credit Card
03-02-2019, 23:32
|
#1
|
R.I.P.
Join Date: Jun 2012
Location: Swansea, South Wales UK.
Age: 72
Services: XL Phone, XXXL Gig1 BB SH4 (wired).
Posts: 2,753
|
Looking to get a Credit Card
Im looking to get a credit card and wondering whats the best site to look at which will inform me if i can get a card before i put in for one.
Is this expedia or are there different ones?
Thanks.
|
|
|
03-02-2019, 23:34
|
#2
|
laeva recumbens anguis
Cable Forum Team
Join Date: Jun 2006
Age: 67
Services: Premiere Collection
Posts: 42,039
|
Re: Looking to get a Credit Card
__________________
There is always light.
If only we’re brave enough to see it.
If only we’re brave enough to be it.
If my post is in bold and this colour, it's a Moderator Request.
|
|
|
04-02-2019, 00:51
|
#3
|
Believe in yourself ...
Join Date: Dec 2013
Location: Here & there ...
Services: tv phone mobile broadband V6 and tivo.
Posts: 5,252
|
Re: Looking to get a Credit Card
This one I think gives you a idea off your chances in both getting a card plus what rate rate your likely to get and term of that rate etc.
https://www.moneysavingexpert.com/el...rds/#whichcalc
__________________
A smile is a curve that sets everything straight.
|
|
|
04-02-2019, 01:14
|
#4
|
R.I.P.
Join Date: Jun 2012
Location: Swansea, South Wales UK.
Age: 72
Services: XL Phone, XXXL Gig1 BB SH4 (wired).
Posts: 2,753
|
Re: Looking to get a Credit Card
Thanks Guys.
|
|
|
04-02-2019, 09:53
|
#5
|
CF Resident Dog
Join Date: Mar 2005
Posts: 14,224
|
Re: Looking to get a Credit Card
I have a Tesco Credit card because it gives me club card points on everything I buy.
Not sure what the rates are as I pay off in full each month, it is a good idea to get one even if you pay off each month, as it gives you protection when buying and helps with any credit rating.
__________________
PSN: Snoopzster
|
|
|
04-02-2019, 11:51
|
#6
|
cf.mega poster
Join Date: Jan 2008
Posts: 9,996
|
Re: Looking to get a Credit Card
Quote:
Originally Posted by SnoopZ
I have a Tesco Credit card because it gives me club card points on everything I buy.
Not sure what the rates are as I pay off in full each month, it is a good idea to get one even if you pay off each month, as it gives you protection when buying and helps with any credit rating.
|
I used to do the same, but it was made easier when Tesco started awarding Clubcard points for spending on a debit card. I still use my credit card (and pay it off in full every month) where the amount is over £100 in order to gain section 75 protection.
|
|
|
04-02-2019, 12:38
|
#7
|
067
Join Date: Jul 2007
Location: Middlesbrough
Age: 47
Services: Many
Posts: 4,585
|
Re: Looking to get a Credit Card
Any of the major credit scoring apps also provide eligibility for CC"s Loans etc.
Noddle, Clearscore, Totally Money, Experian all offer free apps that will do this. (no subscription required for basic Experian either)
__________________
Nerves of steel, heart of gold, knob of butter......
|
|
|
04-02-2019, 14:36
|
#8
|
vox populi vox dei
Join Date: Mar 2007
Location: the last resort
Services: every thing
Posts: 13,739
|
Re: Looking to get a Credit Card
I have never had a credit card .
__________________
To be or not to be, woke is the question Whether 'tis nobler in the mind to suffer. The slings and arrows of outrageous wokedome, Or to take arms against a sea of wokies. And by opposing end them.
|
|
|
04-02-2019, 14:57
|
#9
|
cf.mega poster
Join Date: Jan 2008
Posts: 9,996
|
Re: Looking to get a Credit Card
Quote:
Originally Posted by papa smurf
I have never had a credit card .
|
They can be useful if used wisely, otherwise they're a very expensive form of credit.
|
|
|
04-02-2019, 16:12
|
#10
|
067
Join Date: Jul 2007
Location: Middlesbrough
Age: 47
Services: Many
Posts: 4,585
|
Re: Looking to get a Credit Card
Quote:
Originally Posted by RichardCoulter
They can be useful if used wisely, otherwise they're a very expensive form of credit.
|
Not always... I have a Tesco 5.4% card (new sign up's now get 5.9%) there are also plenty hovering at the 6.4% rate too
__________________
Nerves of steel, heart of gold, knob of butter......
|
|
|
04-02-2019, 17:00
|
#11
|
cf.mega poster
Join Date: Jan 2008
Posts: 9,996
|
Re: Looking to get a Credit Card
Quote:
Originally Posted by mrmistoffelees
Not always... I have a Tesco 5.4% card (new sign up's now get 5.9%) there are also plenty hovering at the 6.4% rate too
|
Well, I never look at what the interest rates are as I always pay it off in full via a direct debit. I only use mine for collecting Clubcard points & section 75 protection.
I have used 0% offers though, before they started charging to do this.
|
|
|
04-02-2019, 18:25
|
#12
|
Remoaner
Cable Forum Team
Join Date: Mar 2004
Posts: 32,206
|
Re: Looking to get a Credit Card
Remember the points are pointless if you're racking up interest charges. The best card for rewards assuming you pay it off each month is usually American Express, especially if you can get one of the cashback or air miles bonuses. Also do remember that the drawback of these cards is just how easy it is to get something without having the money for it, it sounds simplistic but there is a reason credit card debt is so high. Plenty of people thinking they'll be responsible but the allure is too high....
|
|
|
04-02-2019, 18:35
|
#13
|
Still alive and fighting
Join Date: Jun 2007
Location: In the land of beyond and beyond.
Services: XL BB, 3 360 boxes , XL TV.
Posts: 56,296
|
Re: Looking to get a Credit Card
Our household has no credit cards and we won't be having one as there are many out there who think its free easy money and then end up getting into significant debt.
__________________
“The only lesson you can learn from history is that it repeats itself”
|
|
|
04-02-2019, 18:37
|
#14
|
cf.mega poster
Join Date: Jan 2008
Posts: 9,996
|
Re: Looking to get a Credit Card
Very, very true Damian. To be able to gain any benefits from using credit cards, you have to have self discipline and be organised so that key dates aren't missed & all payments made on time or they financially hammer people.
|
|
|
04-02-2019, 18:54
|
#15
|
Born again teenager.
Join Date: Feb 2007
Location: Manchester. (VM area 20)
Age: 75
Services: Maxit TV, M250 Fibre BB.
Phone-Anytime Chatter
Posts: 13,693
|
Re: Looking to get a Credit Card
Just a point of interest regarding the section 75 protection.
You only need to have used the credit card to settle part of the payment, though you do need to pay over £100 in total for a single item to evoke the cover. For example, you could pay £20 deposit using your credit card and then pay the balance by another method and still have the whole £100 plus covered by section 75 of the Consumer Credit Act.
https://www.which.co.uk/consumer-rig...mer-credit-act
__________________
"I intend to live forever, or die trying" - Groucho Marx..... "but whilst I do I shall do so disgracefully." Jo Glynne
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
All times are GMT +1. The time now is 12:59.
|