The best first time credit cards for UK beginners

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Title	:	The best first time credit cards for UK beginners
Lasting	:	16.33
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Here's more on credit building cards for beginners from my blog becleverwithyourcashcom/beginner-credit-cards-to-build-your-credit-score/
Comment from : Be Clever With Your Cash

I've never had a credit card and never wanted one but need one for car hire in Spain What a pain 👎
Comment from : British Modified

ترجمه ش کن خسیسی
Comment from : Poria Mostafai

Hi Andy,brWhat credit card do you recommend I get I have never had one before and I’m looking at getting what specifically to build credit for when I buy a house in a few years Which one do you think will work the best for me? Thank you
Comment from : Courtney

Is this still relevant in 2023? brbrThank you! I got a starling account because of your reviews 😊
Comment from : JA theRipper

Keep trolling with people half your age u belong with them
Comment from : udit saurabh

Keep doing it at age of 100 like u are doing at your 45 doing a wrong thing in broad day light doesn't make it right u are exposed and people are quiet because they don't want to lose their respect by getting involved they know u lack the ability to realise your mistake
Comment from : udit saurabh

PPL laugh at me because of what ever story is told about me but they are hopeless about u u are stupid and stubborn u cannot realise your mistake and make it right if given a chance u will keep doing it in the wrong way I lack ability to realise your fault and courage to correct accept and correct it because of u every one is disturbed and ashamed and u are doing it again
Comment from : udit saurabh

Can opening a Student credit card account and making regular weekly or monthly payments with it with a definite payments back on time to the provider help with improving the credit score?
Comment from : Moe💯

christ im still confused
Comment from : mark edwards

Could you do a 2023 best beginner credit cards ?
Comment from : Heartbroken ace

Hello, I am an international student coming to study in UK and I was wondering if you would reccommend the Totum Card, it was suggested by the one of the university representatives but I would like to hear your opinion aswell
Comment from : B

I have stellar credit rating back in Korea, but meant absolutely nothing in the UK so this month is inally 1 year in the UK and finally approved to get a credit card
Comment from : Sj Park

Appreciate the video bro
Comment from : Rockstar Joe

Imagine if they taught you this at school that would be useful but send me a triangle and I will tell you what the surface area of that triangle is
Comment from : Thiago

Get in debt to prove you won’t get into debt, what is this world
Comment from : LM

please can you make update on uk beginners credit card please
Comment from : AdaptXI

Hi Andy,brbrWould you recommend BA Amex Free card as a first credit card? Or should I start with a Tesco Foundation or Aqua card for credit building? I know people that have had BA Amex as their first card and have been accepted Is there a disadvantage to starting with the BA Amex card?
Comment from : Kayla S

In UK, other companies won't know if you are rejected, only that you had a hard search Too many hard searches are bad
Comment from : Signedpeach

Hello Andy, is it 30 max spend for the month or with repayment multiple times a month, I can go over 30 in total?
Comment from : Peter Damian

Hello, this video is quite old but i would like to ask you I already paying a loan I would like to paying my monthly or at least a part of it (over £16k/month) via credit as I am 100 sure that i will be able to pay that every month I need a credit card as if I travel and need a 🚗 rental they only accept credit card As i never own a credit card how likely is for me to get one with £1200 /1400 Max spend per month? Thanks
Comment from : Andrea Croci

My friend told me about bDAWGGOAT/b I joined his channel and started going thru his work, I purchased lowest credit card to gain his trust and honest I got the next day delivered by usps Thanks your type is rare💯👏🏾
Comment from : Gafari Ganiyu

Thank you clearing up the interest rate malarkey! It got me all freaked out that I'd be charged for every purchase which wouldn't make a credit card worth it for me! 😅
Comment from : Pisceswildfire

thanks
Comment from : Bone Slim

What I sometimes can't understand is that recently I was declined for a credit card after using eligibility tests on comparison websites and given me 80 percent success rate?
Comment from : Callum_090

Great video, thanks! I was just wondering, if I buy a few small things throughout the month with a credit card, would the interest be charged if I miss my first repayment or is the interest automatically on the purchases? Also if a direct debit of £50 was set and I’d only spent £30 on the credit card, what would happen with the remaining £20? brCurrently got a hood credit score, but completely new to this and looking to build my credit score
Comment from : Toby Beswick

Don't get one at all All you will be doing is lining bankers packets, and giving your privase data to reference agencies so they can sell it on and make a profitbrbrNobody need a credit rating Cash is king
Comment from : Ian McGarrigle

If I go over the 30 utilisation but pay it off immediately, will that affect my score?
Comment from : Isa Liaquat

Really useful info - thanks for sharing😊
Comment from : stella haddon

Can you get credit card if you already have bad credit score but no debt ?
Comment from : shortbooes

So many questions Wish we got taught this stuff in school
Comment from : Shakila Matthews

I love your explanation on CD I got my first card last week
Comment from : Jones Ogbe

Thanks for so much information 🙂👍
Comment from : Tecelctsof

I currently had an argos card although I haven’t used it in a while I was worried about if it would go against my credit score? I have always paid my credit off in full before the 6 months so I haven’t ever incurred interest but I’m still not certain, would anyone know? Thanks :)
Comment from : Jenifer Warren

I'm only 18 and got a £1,850 credit limit
Comment from : Mahee 110

Got my first credit card with aqua I applied via Experian and I had already used their boosted score feature and I received a ‘boosted offer’ which offered lower interest which I otherwise would not have gotten
Comment from : SR7

Thanks for the explanation👍
Comment from : MB

I don’t understand it How do you pay “pay off balances”? Surely you need a debit card to pay those off? So what’s the point in having a credit card if you e already got the money?
Comment from : John Alex

I recently got my first ever credit card, I got a 4,600 limit and 129 Apr I only got it to improve my score and get like my weekly shop from it
Comment from : Bradley Maguire

Great 👍
Comment from : Maxamadow Cadow

Hi Andy, one question If you make full payment every month, they won't charge you anything, right But will that make them less likely to increase your credit limit?
Comment from : Ricolas Best

Hello Andy, can an international postgraduate student on a student Visa get a credit card If so HOW?
Comment from : fifi nonu

Worst mistake I made was getting an Amex when I was 19, used it a lot paid off every month perfectly Some great perks & points but literally had no positive impact on my credit rating Never knew difference between a charge card vs credit card Few months into my first credit card & credit rating shot up
Comment from : dbcooper1

Super nice video
Comment from : md aminur

Hey Andy, Your ideas are amazing and gives full useful info on credit cards and many other topics Could you please create a video on " Can I pay house rent using credit card"
Comment from : Swapnil Ajmera

would you suggest the bank of america 200bonus credit card to use in uk?
Comment from : Ondine xu

Thanks brother
Comment from : Venky Rocky

I'm turning 35 female immigrant been in the uk for 6 years I'm worried I won't be issues one but I need to have a credit history/report
Comment from : Huda Ismail

The problem I am facing is every card company is asking me to produce 3 years of previous address in uk As a beginner how am I supposed to meet this criteria?
Comment from : Sonu Sadasivan

I respect the fact your trying to help but you really turned a 5 minute video into 16 minutes!!!!
Comment from : Georgios Thoma

Can you clarify one thing? so If I spend £150 on my credit card with £500 limit at an interest rate of 299, how much do I need to pay to pay off the credit card? Is it £150 or is it £150 + 299brbrbecause surely this way it is costing you money to borrow money, where the idea is to not have to pay to do this for the sake of building credit It's the one thing I can't wrap my head around Sorry if that's a stupid question!
Comment from : Hannah Heal

Thank you for making this video much appreciated
Comment from : You TV

9:31 could you please save the time of the very long introduction? Thank you 🙏 🌺
Comment from : Die Frage

They make wallets that black this kinds shit now shady shit like this needs to stop thaugh
Comment from : Micheal Muga

Iv always wanted to buy alot of stuff on a card and pay it off monthly without getting charged interestbrbrIm a bit thick Is this basically how credit cards are good for?
Comment from : Chronic Makenz

Hello Andy, brbrIs it better to pay the charge on the card back instantly or wait a bit before paying, which one would be better for your credit score? brbrThanks
Comment from : RSA

I need help and this might sound really silly I’ve just purchased the gold status credit card American express and the Marriott bonvoy Can I use my Marriott bonvoy for literally any purchases like groceries etc Or is it better to use the gold card, which I intend to cancel at the end of year one because 140’is too much for me Thanks
Comment from : C A D

Hi Andy, really liked the video thank you Quick question though, I tried to apply to Amex BA card and got rejected, same as HSBC (my first applications) Is it likely this is because i have a blank credit report? (I’ve never paid bills myself etc) I’m now thinking of going with the Capital One card (i’ve been approved) and applying again in 3 months or so Is 3 months too soon?
Comment from : Jack Coe

Really clear and useful explanation Much clearer than the bank helpline Thank you
Comment from : S J

Can I be 18 and have a credit card
Comment from : LEXOTIC

🖕🖕I really appreciate 🖕 him I get my credit card from him with high balance you are legit bro ✌️✌️
Comment from : Dumpslark Therealvendor

Hello, what do you think about Natwest Purchase & Balance Transfer card? I applied this card yesterday It was accepted
Comment from : mert can dogan

This video was so helpful, thank you!brWhat should I do if I have a temporary job? I have had a Covid job for months now, and due to the nature of the job, it is never going to be a permanent job and I really want to get a credit card asap Do I need to wait for a permanent job?
Comment from : Jasmine Sroay

Do credit cards in the UK give you "extended warranties" like the credit cards have in the US?
Comment from : noelsebz90

Hi,brI have an bank account that I don't really use and is the oldest account ( 4 years+) that I have, currently I use another bank I've seen on credit report that an bank account over 5 years help me on my credit score And I was thinking to close it, will be a good idea?
Comment from : Andrei

You can check your eligibility via a bank app which won’t effect your credit score
Comment from : john holme

Thanks for this Andy ! So helpful ! :)
Comment from : Brianna Dacres

Hey Andy! Been great learning more about these topics on your videos I just have a question regarding what the best credit card would be for me at this time I'm 24 and on a fairly decent wage but have never had a credit card Is the best option going for one of these beginner cards or applying for one with better cashback options such as an American Express or Barclaycard? On the website you gave I had a 9 score as to whether I would be accepted with these, so thought I'd ask before applying Thanks :)
Comment from : Matteo Quirke

I wish you would be to the point and just get into which credit card is the best for first timers
Comment from : Kushal Khandhar

this year im thinking about applying for a credit card, i don't know when but I will get one
Comment from : indescribable princess

I am new to the country, I opened a bank account with HSCB and they refused to give me a credit card they want me to wait for 3 monthsbrI do not want to wait, can you please suggest me a someone that could give me a credit card?
Comment from : Ahmed EL Kazzaz

I crippled my credit profile a few years ago and left my record tarnished till 2026 with some defaults being the typical young and stupid I have been given that second chance with a Vanquis Origin card Although at 599, i am religiously clearing any balance and my score is shooting up My goal is the Amazon Platinum card as it very much suits my spending habits
Comment from : Richard Carey

really informative video!
Comment from : Nubian Nelly

The card I'm looking at says the following;br"The minimum payment will be the higher of:brA The sum of (a) interest for the period from the last statement, (b) any default charges and (c) 1 of the full amount you owe as shown on your monthly statement (not including interest and default charges) brB 3 of the full amount you owe as shown on your monthly statement (including interest and charges) brC £5"brbrIs this to say even if I don't owe any money I will still have to pay £5 every month?
Comment from : David Miscavige

I'm in a dilemma I spend 600 a month on my debit card and never run out of cash I'm good with money and I don't see the need to borrow money Yet I want to build up my credit score without paying interest
Comment from : Gary The Snail

What of credit cards for students in the Uk?
Comment from : anne anabui

Is there any credit cards in your country that US citizens can get without residency?
Comment from : MissionGold

Thank you for this video What advise do you have for people new in UK and not yet completed 3 years residency?!
Comment from : Wolf Xman

appreciate the video! a slideshow or presentation would really clarify what you are saying, just being flecked through beside you whilst you speak
Comment from : alicia goddard

i keep getting rejected for the "eligibility check" for the amazon classic credit card and i have no idea why
Comment from : Dreamer Springs Walks

Super helpful!
Comment from : Ruth

So, if I was to spend 100 out of 1600? Does that mean I HAVE to pay the 100 within that month? Or can I just do the minimum charge for a few months?
Comment from : Andre Crawford

Finally someone talking about uk credit, Thank you
Comment from : MxdFiinto

This was such a helpful video!
Comment from : La Xi

Thank you so much, i know this video is fairly older but this has been the best video I've stumbled upon for helping me understand all of this, I'm sure this will help many more in the future
Comment from : Opinionated Jordan

Hi AndybrMy daughter is a student at university and she is 19 years old She cannot get a credit cardbrbrWe tried applying for the Tesco credit card online, but because she’s never had a job apart from studying it said she had a 0 chance of getting the credit cardbrbrWhat can we do?brHelp!!!brbrThank you
Comment from : Den Robin

It's curious how back home banks give these away like they were a slighltly expensive flyer (granted with a very low credit limit) while here in the UK they don't bother trying get any new customers
Comment from : Germán López Campos

Thank you!
Comment from : Amelia Hudson

Thank you for video I recently had my credit limit lowered from 2500 to 1500 When i called the company and asked why they did this I was informed i was not using my card enough I usally spend like £20000 per montham i suppose to spend more?
Comment from : AE

My first credit card was capital one when I was 25 I had a £1600 limit and 0 on purchases for 6 months Seems pretty good for a first timer compared to what you're saying Within a year my experian score was 999
Comment from : Sam