Help please


Hi all I was hoping for a bit of advice, I’m 45 and never had a credit card not that I’ve ever been refused but never applied for one just because they scare me! Got to the stage where I think I should have one in case my fridge breaks and haven’t got cash to get one. I know I need a purchase card so it’s interest free for a year or so would be great but
1. Should you get a card that no ones heard of?
2. What if I get one and don’t use it does that matter or will I be charged?
3. How does it work do they send you a statement every month? How do you pay in post office or cheque or direct debit?
4. Can you keep adding to it with purchases? How do you know how much a monthly payment will be
Thankyou so much for your advice



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