Credit card advice please!

[dave-therave]

Hi Guys,

I've been thinking recently about getting a credit card and could do with a bit of advice.

I’m 25, technically I rent my house (mortgage and house is still in my mums name though I pay the bills), currently earn £25k though start a job next month on £30k, don’t have an overdraft, never had a loan, PAYG phone etc. The only thing that I’ve had a credit check for was virgin broadband on the house. I have no debt at all.

I have no bad credit but on the other hand I don’t have any good credit either. The card would be for building a better credit rating (pay for fuel and meals out etc and pay it off in full at the end of the month) and for emergencies.

Am I likely to get a credit card if I apply? What card (or type of card) should I be looking for in my situation?

[5potTurbo]

Dave

There was a similar question raised here: http://pistonheads.com/gassing/topic.asp?h=0&f...

I think the advice there appplies to you too.

[dave-therave]

Thanks for the link, that's what I assumed to be honest!

I'll have a look at the cards mentioned. I guess if I'm planning on paying off the balance straight away the apr isn't all that important