It's for a memorial. I checked with my credit card supplier and gave them all the details and they said it would be covered. However now I have found out that the company doesn't take credit card... After doing some checks I got confirmation it was a legit company though. Still would have preferred to pay by cc for the added security.

What type of purchase is it? I dont believe all purchases are covered as things like timeshare etc can be dodgy.

Thanks I will. Incidentally I just applied for a nationwide credit card and got offered a gold card with a £3000 credit limit. Not enough to cover the purchase but I still might take it, like you say build up a track record.

no mate - you have prove a track record with it. the best way to improve your credit rating is to pay stuff off early. why not take out a credit card now and just put your shopping on it then pay it off. that will then leave a footprint.

i would still check your experion score though because it might have changed for the better.

Georgie

I checked it a month or two ago and it was above the average. Not amazingly high as I don't have that much of a credit history, but nonetheless I thought that was pretty good. I'm starting to learn that having credit cards is a good thing, it builds up your credit rating. If I got a credit card and never used it would that still work positively towards my rating?

you could always check out your actual credit score - then you know where you stand.

www.experion.co.uk

Georgina

thanks, I tried the comparison utility actually, and even tried that 'smart search' facility to see if I would likely be accepted. Apparently I "need improvement" and probably wouldn't be. Couldn't figure out why though, as far as I'm aware I have a good enough credit rating, always pay my bills on time, have no debt, am an outright homeowner etc etc. Though I'm guessing the fact I'm self employed, 25, and have never applied for credit before as I like to pay for things with money I've got works against me :S

Having said that I read on this site that most credit cards won't cover purchases for more than £1000, which is the only reason I want one. Nationwide do however, might give them a go.

try Virgin - they are offering 15 months interest free.

or use the comparison utility on this site.

Ok I'll give i a go, is there a way of finding out what credit limit a company will offer you before applying for the card? Obviously they will need to ask a few questions first. I don't want to sign up for something only to find it's useless. Though I presume I can cancel it if I wanted.

Hi -- One suggestion is Egg card currently 0% apr on new purchases until Feb 2009, although subject to a high enough credit limit granted based on your income, etc, as would be the case with any card you apply for.

http://www.egg.com/visitor/0,,3_84106--View_1763,00.html

I plan on making a large purchase but would like payment protection in case anything goes wrong. I have been told that a credit card provides that protection. As I don't do credit cards I am thinking of applying for one for just this purchase. Unless there's another way of getting payment protection?

Basically can someone recommend a credit card which would provide someone with a high credit limit (say £6000) with no fees or charges and no interest payable on the purchase? I have all the money in an account so I would pay off the balance immediately. Also I have a good credit rating so that shouldn't be an issue. What maybe an issue is proving my income (recently self employed), I don't know the first thing about credit cards so maybe what I am asking for is completely unrealistic lol. I plan on getting rid of the credit card after this purchase. Am I required to sign up for 12 months? If so does that cost me anything if the balance is zero?

Sorry for being clueless!

Thanks

Nathalie