credit cards
How can I pay for cards without a credit card or PayPal?
I need a card for my business, how can I witgout request a credit card or PayPal. Preferbly, I would ask and receive cards bill in the mail.
Most places do not work not good. but there are some shops that do business cards. then you might have to go.
Which UK credit card is best(please see details)?
My partner and I have been looking at buying a house but we can’t get a large enough mortgage. It seems the only way to get a higher one is to get a higher credit score. I have never been in debt, he has a CCJ from years ago for about £800 which has been paid fully for over a year and our income is low. I am thinking of getting the card only in my name. Basically, the card would be used for ID purposes and small purchases just to get a credit score so I would want one with no annual fees or anything like that.
I’ve just looked at a few cards and I am confused! I have seen a couple which look good but I am still not sure.
We have both previously had a Capital One and so have both my sisters and several other people I know, we all had problems which the company chose not to deal with so that one is definitely out of the question.
We don’t have the option of shared ownership or moving to a cheaper area. And judging by some of the things I have seen/heard, this IS a cheaper area!
Try talking to your bank, if you have a good history with them they will be more likely to grant you a card and they tend not to have an annual fee etc.
I would say however that you will not necessarily improve your credit rating by having a credit card – and in the first instance your credit rating will drop, it always does following any application for credit of any kind.
I also think that you would be best talking to an independant financial advisor regarding your situation – there are many non-standard mortgage lenders out there and methods of applying for mortgages that will almost certainly suit your needs now.
It is unlikely that your boyfriend’s previous CCJ would stand in the way of securing a mortgage – because a mortgage is secured against the property your previous credit history tends not to apply – unless you have no deposit whatsoever (and even that is surmountable by buying a new house where the developer pays your deposit).
So talk to somebody before taking on additional credit that you don’t need or want and that probably won’t make the difference that you are hoping for.
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