Which credit card? I've never had one.

[Juniperdewdropofbrandy]

I've only ever had a debit card. I have no debt but now have a full time job so think a CC may be useful?

It's mind boggling to know which one to get? DP has one and he said look on moneysupermarket but even then I'm not sure which is the best one?

Please advise TIA.

Useful, but also expensive if not managed correctly. I'd recommend doing without personally however that's just me! Soo, being first card you don't need a balance transfer deal (unless you have store card balances that could go on to it?) so look for longest 0% interest on purchases that you can get. Remember though, if its just a 'nice to have' the 0% interest period will expire and you'll go to standard rates.

Thanks M2F. I've never been in debt in my life (am 45) so don't plan on abusing the CC it's just more for protection tbh. Thanks for the info it's useful

Very welcome, I'm very credit adverse too but know where you're coming from. Keep your limit low, some companies will increase it as time goes on (as you're such a good customer blah blah blah) but you can reject the increase, it's a sneaky way of trying to encourage you too spend. Also, if you don't use it, they can close the credit line down, they're not making any money from you but will 'cost' them in terms if maintaining your account, marketing etc. I use mine to buy petrol twice a month then pay it off in full by DD.

I think cc are great if you use them properly! Can you afford to spend only what you have? I have an Amazon one. Every 2000 pounds spent I get a 10£ voucher to spend on their website. They are cumulative, so for bigger shopping you can wait until you have enough vouchers. I use the cc for everything instead of cash and then I buy baby stuff/books/pet food or whatever else online with the voucher

My only piece of advice is if you have never taken out a form of credit and have no credit rating as such go to your own bank and apply there as you are known to them and therefore more likely to be accepted. Then spend a little on it every month, pay it off incurring no interest and build a credit rating. Then after a little while shop around for a good deal. I learnt this the hard way, looked up a good deal went to apply and couldn't understand why I was declined when I earn a good wage and had never had any debt. My bank explained the above to me which was helpful.

doesn't matter if like anyone sensible you pay off the whole balance every month, unless there is 0% interest. Otherwise interest charges are colossal. Make sure you do pay it off and never miss a payment as that is what really messes up credit ratings. (Even if you have paid early).

some offer cashbacks, but you need to spend a hell of a lot for that.

just regard it as another method of payment.

Thanks all.

I'm with Lloyds TSB and have been for eons so may just go there?