Credit Cards

[bigstu]

I've only ever had a Visa debit card, so what's the crack with credit cards? There seems to be quite a few on the go so which one should i be going for or what should i be looking for when choosing? I'm not wanting one to rack up loads of bills, i'm just wanting one to have some security when making purchases, i intend to pay all my bills on time.

Cheers

[Allant1981]

I've only ever had a Visa debit card, so what's the crack with credit cards? There seems to be quite a few on the go so which one should i be going for or what should i be looking for when choosing? I'm not wanting one to rack up loads of bills, i'm just wanting one to have some security when making purchases, i intend to pay all my bills on time.

Cheers


Try moneysupermarket and look for one with 0% interest. Personally I wouldnt have more than one as they are very easy to use and end up in the **** as Ive found out in the past

[GC]

I've only ever had a Visa debit card, so what's the crack with credit cards? There seems to be quite a few on the go so which one should i be going for or what should i be looking for when choosing? I'm not wanting one to rack up loads of bills, i'm just wanting one to have some security when making purchases, i intend to pay all my bills on time.

Cheers

I've used CapitalOne since I was 18, moving up from their basic card for first time holders up their their standard.

I'm not big on all the small details you get with a card, all I look for is a decent interest rate, transfer/annual fee.

I would go through them or ask the bank you are with the one the would advise you to go with.

[Steve-O]

If you truly intend paying up all your bills on time, then you could literally choose any credit card you want because you'll never accumulate interest anyway.

If you maybe don't intend paying stuff straight away, then go for one that is offering 0% on purchases for the longest time possible, there's plenty out there - I saw the other day that Egg are offering 0% until June 2010 so that's a pretty decent one :agree:

[Hibs Class]

If you're intending to pay off the full balance each month then the interest rate shouldn't concern you. Instead you could ensure you get a card without an annual fee and which either gives you cashback or some other kind of reward ,e.g. air miles, or you could take a card that is affiliated to a charity, where the charity gets a small payment based on what you spend. There's plenty card comparison sites on the web

[Sylar]

If you truly intend paying up all your bills on time, then you could literally choose any credit card you want because you'll never accumulate interest anyway.

If you maybe don't intend paying stuff straight away, then go for one that is offering 0% on purchases for the longest time possible, there's plenty out there - I saw the other day that Egg are offering 0% until June 2010 so that's a pretty decent one :agree:

It's only 0% on balance transfers until June 2010 sadly. The 0% on new purchases only runs until July 2009, which is poor.

[Killiehibbie]

If it is getting paid off every month go for no annual fee and cashback. If you drive 3% cb on their fuel is available from Shell and 1% on all other purchases. Just be careful about your choice of filling station as some seem to be dodgy with card payments.

[greenlex]

Virgin is the one I use. I only got it in January and the deals they were offering were best then.

Get two. put your season ticket on one. Transfer the balance onto the second one and enjoy 12-18 months interest free. :greengrin

[Godsahibby]

I've only ever had a Visa debit card, so what's the crack with credit cards? There seems to be quite a few on the go so which one should i be going for or what should i be looking for when choosing? I'm not wanting one to rack up loads of bills, i'm just wanting one to have some security when making purchases, i intend to pay all my bills on time.

Cheers

If it is just security you are looking for then you do not need a Credit card, you will have enough protection through your Visa Debit. If for example you booked a holiday and the companty went bust Visa offers the same protection on its Debit card as you get on a Credit card.

[col02]

Barclaycard or Capital one have been good cards to own for security purposes as both run good anti fraud departments.