Beginner credit cards to build your credit score

If you don’t have any credit history or are looking to rebuild your credit report, then specialist credit cards could help. H5

Want to get a mortgage, credit card, loan or other form of borrowing? A healthy credit report can be the difference between acceptance and rejection, a good rate or a bad rate.

There are plenty of things you can do to strengthen your credit file – registering to vote through, paying bills on time checking your report for errors and having a bank account all help. And alongside these is to spend on a credit card.

That might seem counter-intuitive. Using a credit card is to spend money that isn’t yours. If you don’t need to borrow then surely it’s better to not have a card?

Well, what you’re doing by using a card showing you are a responsible borrower. That you can be given credit and pay it back.

Here’s more on how this helps your credit report and how to find the best credit building cards.

So if you have a £500 credit limit you don’t want to owe more than £150 on that card. Quote

Using credit cards to boost your credit file H2

• this is a list
• this is a list
• this is a list
• this is a list
• this is a list
• this is a list

There are some key rules you need to follow to make sure spending on a credit card helps rather than hurts your credit report.

Use them only for everyday spending H3

A very simple one to start. Having a credit card shouldn’t encourage you to buy things you wouldn’t normally be able to afford.

Instead use it only for everyday spending. I often suggest something like supermarket shopping or filling up on petrol.

This way you’re just swapping spending on your debit card for spending on your credit card. H4

This way you’re just swapping spending on your debit card for spending on your credit card.

It helps to avoid temptation if you only take it with you when you are going to make that regular purchase, and leave it at home the rest of the time.

Using credit cards to boost your credit file

There are some key rules you need to follow to make sure spending on a credit card helps rather than hurts your credit report.

Use them only for everyday spending

A very simple one to start. Having a credit card shouldn’t encourage you to buy things you wouldn’t normally be able to afford.

Instead use it only for everyday spending. I often suggest something like supermarket shopping or filling up on petrol.

This way you’re just swapping spending on your debit card for spending on your credit card.

It helps to avoid temptation if you only take it with you when you are going to make that regular purchase, and leave it at home the rest of the time.

Use them only for everyday spending

A very simple one to start. Having a credit card shouldn’t encourage you to buy things you wouldn’t normally be able to afford.

Instead use it only for everyday spending. I often suggest something like supermarket shopping or filling up on petrol.

It helps to avoid temptation if you only take it with you when you are going to make that regular purchase, and leave it at home the rest of the time.