I am in need of a credit card to create a good credit history. I do not have a bad one only a lack of one.
I used to have a HSBC credit card which I didn’t use for ages and was shut down, I asked for it back but they said no… couldn’t get a reason, maybe because i work part time not full???
I have £450 to pay off on that and have never missed a payment but am only paying minimum, so I want to transfer it to a 0% so I can pay it off quickly.
I also need a credit card to shop with to improve my credit rating, as I don’t have much of a history of using credit.
In the eligibility searches I coming up as likely to be approved for aqua cards and a few of the balance transfer cards.
Can I apply for both? Or should I pick one, if so which one?
I can manage my spending on both without getting into further debt.