Can someone tell me about credit cards please? Not ever had one before.

[Rhubarb]

I just applied for the WWF Credit Card, filled out their online form thingy and at the end of it all, got turned down!!!!
We're not in debt.
Dh has a job as do I.
We don't own our house but rent.
We've never had a credit card before. tbh, never really seen the point of 'em. We have a debit card and our philosophy has always been, if we don't have the money to spend then we don't buy it.

But if we are to be applying for a mortgage, we've been told that having a credit card would help our application.

So any ideas as to why we would have been refused one?

Also, can someone just run me through the whole 'thing' of credit cards. I mean, if you don't use it then you don't have to pay for it do you?

Well done for staying strong - you don't need insurance and you definitely don't need to upgrade your current account.

Thanks everyone! I think I'll use it as my ebay card instead of my debit card and I'll instruct the bank to pay it off straight away.

Oooh, how grown-up I am, getting my first ever credit card!

Very grown-up, well done

Now make sure you use it in a nice grown-up way, we're not going to take responsibility if you go off and buy a big telly and shiny shoes that you can't afford

i only got mine a year ago too and i'm nearly 40! though i had to use it otherwise they threatened to cancel it

i will tell you about them
THEY ARE EVIL
all you need to know in three words