Credit Card

[jennyjoan]

My above cc will be cleared within a couple months, that was a first time I ever had a credit card.

With all this palaver with getting into your bank, if I need to, can I set up another credit card online. Thanks

[Canary42]

You can certainly apply online.

[barry1010]

Yes, easily

[jennyjoan]

ok - thanks - will have to look at the account and see how it is done.

[SparklyKid]

Why get another credit card. Surely you can pay it over the phone. We have not been in a bank for years.

[ToraToraTora]

yep easy peasy just go on a compare site and find the on that fits your needs and apply on line, simples!

[dannyk13]

Can you not just carry on using your present card?

[Fibonacci]

Some useful advice on credit cards can be found here (Martin Lewis wesbite)
https://www.moneysavingexpert.com/credit-cards/

[THECORBYLOON]

Why do you need to apply for a new credit card?

[barry1010]

New credit cards give all sorts of perks and incentives making swapping very attractive especially if you are planning an expensive purchase and want a long period of 0% interest.

[198kHz]

It's handy to have a second card for when the first one refuses to play ball at the checkout.

[ummmm]

You get get extra insurance with credit cards. We only use ours for big purchases.

[jennyjoan]

to be honest I don't really know how they work. From your posts when the "money" in the credit card is paid off which should be soon, I just have to ask for more money.

I have realised that I don't need a NEW credit card - just new credit/loan. Is that right.

[ummmm]

You have a credit limit. Say for instance mine is 5k....we can't spends over that. If we get the balance down to 1k...we still have 4k on the card we can use.

[ummmm]

Looking at new credit cards might be a good idea though. Get 0% interest for a year or so.

[jennyjoan]

oh right - forgot about the 0% for the first year, my neighbour who is a whizz kid re credit cards will help and tell me what to do. Thanks anyway.

[Jackdaw33]

You don't need to apply for anything unless you wish to change providers. Your card had a credit limit, and provided you stay within that limit you can use the credit available until the expiry date.