New Posts For Thread: Credit card advice please...https://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-pleaseMy son has asked for help, in procuring a credit card, but I am clueless!I have a Barclaycard, which I got originally, to stop them pestering me to have one.Didn't use it at all for over two years, but since have used it for security sometimes whenReading Stewarty's post reminded me of a mate of mine who had a £6k limit on his card which he had maxed out and was having trouble making payments. He eventually bit the bullet and made an appointment to see his bank (from memory it was Halifax). Ahttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552870537#552870537Reading Stewarty's post reminded me of a mate of mine who had a £6k limit on his card which he had maxed out and was having trouble making payments. He eventually bit the bullet and made an appointment to see his bank (from memory it was Halifax). AMon, 25 Sep 2017 06:41:10 -0500stewarty b - Those were the days!! Mind you you have misunderstood the CB advice - unsecured does not mean unenforceable!.Forgot about this thread. He was actually taken to court by one bank and the sheriff deemed it unenforceable.It's different inhttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552870467#552870467stewarty b - Those were the days!! Mind you you have misunderstood the CB advice - unsecured does not mean unenforceable!.Forgot about this thread. He was actually taken to court by one bank and the sheriff deemed it unenforceable.It's different inMon, 25 Sep 2017 06:15:39 -0500I have always had a cashback credit card for as long as the cashback offers came into existence. I was getting 1% cashback and so I bought all the essentials (food/fuel etc.) on the card, but obviously to make it worthwhile, one has to pay off the dehttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552847973#552847973I have always had a cashback credit card for as long as the cashback offers came into existence. I was getting 1% cashback and so I bought all the essentials (food/fuel etc.) on the card, but obviously to make it worthwhile, one has to pay off the deWed, 20 Sep 2017 18:10:11 -0500When he gets the card it should be quite simple to set up a direct debit to clear the balance before charges are incurred. Basically, this tells any credit check that yes this person has borrowed and yes this person has repaid said borrowing on a reghttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843831#552843831When he gets the card it should be quite simple to set up a direct debit to clear the balance before charges are incurred. Basically, this tells any credit check that yes this person has borrowed and yes this person has repaid said borrowing on a regWed, 20 Sep 2017 03:28:54 -0500https://www.moneysavingexpert.com/mortgages/remortgage-guidehttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843827#552843827https://www.moneysavingexpert.com/mortgages/remortgage-guideWed, 20 Sep 2017 03:18:07 -0500needs to re mortgage pre March 18, if possible, before rate rise ...https://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843813#552843813needs to re mortgage pre March 18, if possible, before rate rise ...Wed, 20 Sep 2017 03:12:48 -0500Money Saving Expert is always a good starting point for information on these sorts of things:https://www.moneysavingexpert.com/credit-cards/Reading Stewarty's post reminded me of a mate of mine who had a £6k limit on his card which he had maxed outhttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843811#552843811Money Saving Expert is always a good starting point for information on these sorts of things:https://www.moneysavingexpert.com/credit-cards/Reading Stewarty's post reminded me of a mate of mine who had a £6k limit on his card which he had maxed outWed, 20 Sep 2017 03:12:09 -0500Thanks for good advice guys.My son is in his late twenties (I guess you were thinking very young) and he's never felt he needs a credit card.He's looking to re-mortgage his house in March '18, and wants to help to build his credit score, as he has onhttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843797#552843797Thanks for good advice guys.My son is in his late twenties (I guess you were thinking very young) and he's never felt he needs a credit card.He's looking to re-mortgage his house in March '18, and wants to help to build his credit score, as he has onWed, 20 Sep 2017 02:58:09 -0500I generally use Paypal (linked to a bank account) or a debit card to buy online.I rarely use my credit card (which is in the Mrs name), which seems to get cancelled and re-issue by the bank on a regular basis due to the amount of fraud that goes on.https://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552843789#552843789I generally use Paypal (linked to a bank account) or a debit card to buy online.I rarely use my credit card (which is in the Mrs name), which seems to get cancelled and re-issue by the bank on a regular basis due to the amount of fraud that goes on.Wed, 20 Sep 2017 02:52:53 -0500stewarty b - Those were the days!! Mind you you have misunderstood the CB advice - unsecured does not mean unenforceable!. I guess the guy may have had no assets and the debts were deemed unrecoverable. Surprising that one of the lenders did not makhttps://community.betfair.com/chit_chat/go/thread/view/94038/30948281/credit-card-advice-please?post_id=552842807#552842807stewarty b - Those were the days!! Mind you you have misunderstood the CB advice - unsecured does not mean unenforceable!. I guess the guy may have had no assets and the debts were deemed unrecoverable. Surprising that one of the lenders did not makTue, 19 Sep 2017 15:52:54 -0500