Credit card help Started by: Meggies

There is no reason you couldn’t put it onto a couple of credit cards, only problem with this is you can be stick with very high interest as the usual Tesco and bank credit cards you may struggle to get due to your age. Capital One tend to be quite flexible but interest Rates are high!
I’m 18 also and considered doing it that way but now were going with a personal loan and thankfully it’s going in my mums name! Maybe go and speak to your bank and get some finial advice, they can look at your crest rating and see what they think is best t might be they ca offer you a card. Definitely get some advice though. Xxxx

Try http://www.noddle.co.uk thats a free credit file site
Then equifax then credit expert but those two you have to pay for xx

https://www.moneysupermarket.com/loans/smart-search/Landing.aspx

Put the ammout and ur details and it does a quotation search on ur equifax file and it doesnt leave a bad mark and give you a instant decision on which loans youl get accepted for

Its alright! Let me know how you get on xx

Theres a card called luma which is for people who haven’t got a credit history and helps build credit – great for the idea of buying fuel and paying it off to build credit etc.
I paid on credit card for security and then transferred it to an interest free one. They charge you a small fee to transfer it but its worked out well xxx

Unfortunately all people with bad credit or low credit or none at all will get offered thw high apr. If u go on that lomk to money supermarket that will say if based on ur credit file about loan options etc xl

The best credit site to use is Equifax as they use the correct scoring system what the creditors use. Other ones like Experian have a different scoring system so it will give you a higher score then what you actually have. The ones most creditors look at is your FICO score and only Equifax uses this. Your best doing the 30day free trial on it then cancelling, but make sure you ring and cancel as you will be charged £15 or so a month if not xx

Hey, no I didn’t use it but my cousin does and she buys her fuel and then pays it off straight away so that it is not accruing interest at all. She is just trying to build her credit and rather than using the cash for items she uses Luma and then goes online and transfers the money straight back xxx

No you shouldn’t get interest if you pay it straight back, its working for my cousin’s credit xxx