Non UK credit card advice. MODS PLS LEAVE
Discussion
Mods, please leave this for a wider audience for the time being.
I have a good friend living in the UK who is Dutch. She has a new job and although it is good, she has to fund her Expenses and is paid back. She has no real money behind her and really could do with a credit card, to be paid off in full every month.
Any ideas?
I have a good friend living in the UK who is Dutch. She has a new job and although it is good, she has to fund her Expenses and is paid back. She has no real money behind her and really could do with a credit card, to be paid off in full every month.
Any ideas?
I don't have a credit card anymore and do not wish to have one, but I also wanted to seperate my business expenses from my normal Visa debit card so got a pay as you go Mastercard from Cashplus.
How about asking employer to load it with a nominal amount to begin with which in my opinion is quite fair. Use it for expenses and then keep topping up after each time she claims.
Downside is that it costs £4.95 a month, still cheaper than a normal CC. Also, Cashplus offer a scheme where they put some credit on the card, about £35 I think and you pay it back with your monthly fee, they then record this on your credit file helping to build credit status.
Forgot to add, no credit checks. I just had to turn up to the post office with my passport when I first loaded it and everything was sorted.
How about asking employer to load it with a nominal amount to begin with which in my opinion is quite fair. Use it for expenses and then keep topping up after each time she claims.
Downside is that it costs £4.95 a month, still cheaper than a normal CC. Also, Cashplus offer a scheme where they put some credit on the card, about £35 I think and you pay it back with your monthly fee, they then record this on your credit file helping to build credit status.
Forgot to add, no credit checks. I just had to turn up to the post office with my passport when I first loaded it and everything was sorted.
Edited by nlldavies on Monday 13th April 12:52
I had hoped for an answer, but with all my googling I can't seem to get what I am looking for.
Basically, she is barely living as all her wages she holds and spends for business use. At the end of the month, she gets paid the expenses. But, she can't seem to build up the buffer. She is thinking of moving out of the small flat in with some friends to ease the situation.
In a good year, I would have a grand to loan, but not at the moment. She can't dictate too much, as jobs are scarce and she would have difficulty getting another job
Basically, she is barely living as all her wages she holds and spends for business use. At the end of the month, she gets paid the expenses. But, she can't seem to build up the buffer. She is thinking of moving out of the small flat in with some friends to ease the situation.
In a good year, I would have a grand to loan, but not at the moment. She can't dictate too much, as jobs are scarce and she would have difficulty getting another job
I think there is little chance of getting a normal credit card with no UK credit history - it's hard enough getting a standard bank account (with no overdraft etc). Both my brothers, despite being British citizens struggled to get an account (and that was 4-5 years ago before the credit crunch)
Sorry I don't have any magic answers, hope your mate finds a solution
Sorry I don't have any magic answers, hope your mate finds a solution
I'd have a look at Vanquis card
http://www.vanquis.co.uk/home/home.aspx
Part of Provident Financial, seems to have relaxed criteria compared to other lenders - just watch out for the APR!!!
http://www.vanquis.co.uk/home/home.aspx
Part of Provident Financial, seems to have relaxed criteria compared to other lenders - just watch out for the APR!!!
Eggle said:
She has been to the high street and they have all said no. It is the case that she is almost living hand to mouth as she can't build up money as she is spending out for work all the time. She hasn't got the £1000 to play with
Why have they said no? http://www.hsbc.co.uk/1/2/personal/current-account...
What about one of these? She pays six pounds a month and then gets a visa/debit card. All she needs is proof of her dutch address and passport
Broken Hero said:
Eggle said:
She has been to the high street and they have all said no. It is the case that she is almost living hand to mouth as she can't build up money as she is spending out for work all the time. She hasn't got the £1000 to play with
Why have they said no? http://www.hsbc.co.uk/1/2/personal/current-account...
What about one of these? She pays six pounds a month and then gets a visa/debit card. All she needs is proof of her dutch address and passport
Broken Hero said:
Also I love how you have put MODS PLS LEAVE in the title and they havent
HSBC thing looks good, but doesn't give her the credit card.I wanted more exposure than just the finance section, and they did leave it there a while longer than I thought.
I haven't even got finance in my favorites, so I would have missed it...
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