*Loan,banking and credit>>>best credit card

Which UK credit card is best(please see details)?

My partner and I have been looking at buying a house but we can't get a large enough mortgage. It seems the only way to get a higher one is to get a higher credit score. I have never been in debt, he has a CCJ from years ago for about 拢800 which has been paid fully for over a year and our income is low. I am thinking of getting the card only in my name. Basically, the card would be used for ID purposes and small purchases just to get a credit score so I would want one with no annual fees or anything like that.

I've just looked at a few cards and I am confused! I have seen a couple which look good but I am still not sure.

Try talking to your bank, if you have a good history with them they will be more likely to grant you a card and they tend not to have an annual fee etc.

I would say however that you will not necessarily improve your credit rating by having a credit card - and in the first instance your credit rating will drop, it always does following any application for credit of any kind.

I also think that you would be best talking to an independant financial advisor regarding your situation - there are many non-standard mortgage lenders out there and methods of applying for mortgages that will almost certainly suit your needs now.

It is unlikely that your boyfriend's previous CCJ would stand in the way of securing a mortgage - because a mortgage is secured against the property your previous credit history tends not to apply - unless you have no deposit whatsoever (and even that is surmountable by buying a new house where the developer pays your deposit).

So talk to somebody before taking on additional credit that you don't need or want and that probably won't make the difference that you are hoping for.Try the American Express Black Card
GE is quite good, you can get interst free on purchases for 12 months
Mint is a good option, u get a certain number of free months in which u pay no interest if u were only wanting this for say 6month so u could get ur house set up and kitted out ect this would be perfect. Capital one is very very good, it has lower interest than mint and the people on the other end of the phone r very nice if u ever have any queries problems ect.
Personal experience
try capital one