Credit Card With Small Limit

[Handoftheking]

Sadly I am in the process of compiling a bucket list, having received a terminal diagnosis. My physical condition does not allow me to travel so the next 6 months to a year will mostly be spent at home. I am trying to make our conservatory my "den" for want of a better word.
Can anyone recommend a credit card with, say, some thing like a £1000 limit that I could use for this project? My wife does our finances and it would be practical for me to be able to buy small things without her worrying.

[Jackdaw33]

Try Amazon. Their initial credit limit is about £1200, roughly.

[murraymints]

Sorry to read your news .... Can't offer suggestions ..just want to say keep well as you can...and come here at times you find difficult...

[ummmm]

it depends on your income. We have a Nationwide card that offers 1 year interest free. All done online and they offer the amount they think you can afford. We lowered the amount they offered.

[waterboatman]

Sorry to see that.

Good luck with your project.

[waterboatman]

You'll find lots of support on the GMEB thread any time you want to join us.

[gingejbee]

Two points....you can specify the credit limit that you would like.....and, the "best" card would depend on how you intend to use it. Would you be clearing the balance at the end of every month (so the interest rate wouldn't be an important factor) or would you be paying some of the balance and rolling over the rest to the next month (so the interest rate becomes rather important)?

[NoMercy]

You could get one of those pre-loadable cards such as Revolut. Your wife can transfer an amount onto it and then you can go and spend away.

We used it when we went on holiday as it can save you a small fortune in exchange rates / bank fees - other than that I don't have a credit card as I don't agree with buying things on the never never.

[ummmm]

It's not buying things on the never never. Credit cards give you extra insurance. Obviously you shouldn't get one of you're crap with money.

[waterboatman]

I don't have a credit card either. I do have a debit card though.

[NoMercy]

I can't be crap with money if I own everything I have. The only thing we are repaying is our mortgage which has only 7 years left to run. We have money in the bank and savings in various places.

Get out the wrong side of bed this morning, Ummmm?

[scooping]

Aqua/Amazon-Newday/Capital One/Vanquis.

[Sqad]

Good morning NoM......how is junior?
I think that Ummmm meant if "one" was crap with money.....not you.

[ummmm]

No....I'm saying that credit cards offer extra insurance. If you have the money to pay them off, fine, if you're crap with money, don't get one.

It wasn't personal nom.

[NoMercy]

Morning, Sqad. Ummmm is always having a dig at me. Yesterday I was an animal abuser, today I'm a financial liability. It's dreadfully tedious.

Little one is okay but his cord is still attached. Its smelly and oozing a bit but no one seems concerned.

[Jackdaw33]

Some of these cards have very high interest rates. Aqua charge a whopping 39% APR compared with the 18-19% of the big banks. Of course that doesn't matter if you are repaying every month in full.

[bednobs]

i think the answer will depend entirely on your circumstances. Do you have any income? How old are you? are you planning to spend to the max and not pay it back? will you have any policies after your death that will pay it, or will your wife be left with the bill? Are you paying it as you go along?

[ummmm]

I'm not having a dig at you. I wasn't questioning your financial situation. I was answering the question. Stop being paranoid.

Let's not turn this thread into another NoMercy has had a baby thread.

[Jackdaw33]

//Let's not turn this thread into another NoMercy has had a baby thread.\\

If that's not having a dig I don't know what is.

[ummmm]

Business and finance Jack!!

[Handoftheking]

To reply to some I am looking to pay it off. I am not interested in credit, just in convenience and not having to bother my wife. She is a bit worried about fraud and if there were a small limit on the card that would tend to give her peace of mind.