I Have Never Borrowed Money.......

[Jeza]

With the exception of a mortgage. Having watched several programmes on how a credit card protects you I decided to apply for one. Our mortgage was paid up in 2004. I do not want to be refused so can anyone tell me which one to apply for? Anything I buy will be paid for in full when they send the monthly bill. Oh I don't want an annual fee. Can anyone make a suggestion. I should add that I am retired.

[Ann]

Headwreck, picture for you on Graham Norton thread :)

[tamborine]

I snap debit cards, theyre not safe imo. Its important to settle CC on time as the penalties are high.

[tamborine]

Account nos dont give access your bank a/c.

[Caran]

I use Tesco's credit card, use it to pay as much of household bills, pay in full, get Tesco's vouchers to use for us tunnel crossings to France mainly, but all sorts of things available for use.

[tamborine]

you got loads-a-money Hw. I darent in case I overdraw

[tamborine]

only joking HW but if you use DD you dont enjoy a months FREE use of purchses

[boxtops]

We use our Tesco card and pay it up each month - the vouchers are useful for shopping.

Jeza, you will need to give them bank details, they need assurance as to how you will be paying, and there is always a credit rating check these days - your good bank reference is essential. However - since you don't owe money, you may find your credit rating is not so high (crazy, but if you don't borrow, they don't know your track record) - so your own bank branch is probably a good place to start, as others suggest, where they will know your reputation.