Credit Cards

[OldLoveSong]

i have 1 and hardly ever use my debit card. i always pay things off by the end of the month so im not worried about going into debt

[Mikey]

I have one and I use it regularly but only ever buy things I know I will be able to pay off at the end of the month. I don't NEED to delay that payment but I want a good credit history and not having a credit history does not equal good credit history!

I have one with TSB and use it for the exact same reason. I only use it for stuff I know I can pay back, e.g my train pass every month and if I'm short on cash but I know with my next student loan payment or pay check I pay it all back. I also use it for the reason of building up a good credit history as Laura says, not having a credit history does not equal good credit history which I learned when I tried to apply for another bank accounts outside of my regular bank.

I would definitely recommend to get one, but just be sensible with it and only spend if you know that you can pay it back.

[mrwoooooooo]

I'd like one just to buy petrol on, but don't want to make that risk

what risk?

I've got one but I don't use it anymore

[x-s-x]

Having a credit card and paying it off in time first would build up a credit history and give you more of a chance of getting a £6000 pound loan! Obviously there's other ways but imo a CC is the easiest way aslong as you pay back. Even spending £50 a month on it and paying it off be next would be fine as you'd probably spend that from your normal wage anyway!

That's actually a good idea, I'd defo have to pay it off straight away though, credits card just worry me :/ x