How do credit checks/histories work in the UK?
Sounds like a good idea. Maybe I can set up a direct debit to automatically pay the credit card off? I’m solvent but disorganised, so that sounds ideal to me. You should check with whatever company is providing the credit card for whether or not you can pay the entire balance automatically every month, in my experience some do allow it and some don’t. One way to help be more organized is to save all of your receipts when you buy things, and keep them in a file at home. Once a month, compare them to the charges on your billing statement and pay your bill. That will help you make sure that you aren’t being overcharged by error, and it will get you into the habit of looking after your finances every month. As for getting a card, make sure you read the fine print and understand it. Many of the terms of the contract won’t matter as long as you pay off the bill every month, but you should be aware of all of the rates and fees. One thing to look out for is an annual fee: most credit cards do
