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Quick advice for credit card option

Last post Sat, Mar 28 2015, 3:16 AM by maxsteam. 1 replies.
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  •  Sat, Mar 28 2015, 3:16 AM

    Re: Quick advice for credit card option

    Hey, you are working with a £30k - ish salary. wtf are you doing looking for £700 of credit?

    Is there any good reason why you can't just save up £700 and make the purchase? I'm sure that a discount is likely on the £700 if you can say that the cash can be in your pocket.

    It's always worth looking at other options before taking anything out with Santander.

    • Post Points: 5
  •  Wed, Mar 25 2015, 4:09 PM

    Quick advice for credit card option

    Hi all,

    I'm looking to make a purchase of around £700 in the next few weeks. I can currently afford half the cost but thought I would apply for a credit card to boost my credit score.

    I'm 24, living at home. Previously was a private tenant. I have never had any debt, don't possess an overdraft on my current account and have never missed a direct debit. I'm self-employed and currently earn under 30k. Last time I checked my experian report it was very good and there have been no financial worries since.

    I'm also traveling to Europe soon so I'm looking get a card that is free to use abroad. I just wondered what experience people had with the vast array of options out there?

    I was looking into the Santander 1-2-3 credit card but I ran the test on here to check on my chance of acceptance and it was the only card that had a low score.

    So to summarize - I'm looking for a card with 0% on spending for as long as possible and no charges for using abroad. Any other benefits would be a bonus.

    Hope you can help.


    Regards,

    Jay

    • Post Points: 20