Credit Cards for Building Credit

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Europe > Britain Expat Forum for Expats Living in the UK

Britain Expat Forum for Expats Living in the UK The Britain Expats forum is a community of people that have moved to the UK from overseas. This is the place for Expats to meet and discuss anything about the British way of life.

Credit Cards for Building Credit


Closed Thread
 
Subscribe to this Thread Thread Tools
  #1 (permalink)  
Old 2nd August 2012, 05:23 PM
New Member
 
Join Date: Jun 2012
Location: London
Posts: 13
Rep Power: 0
Kaladran is on a distinguished road

Users Flag! Originally from canada. Users Flag! Expat in uk.
Default Credit Cards for Building Credit

Hi everyone,

My wife and I have made it safely to the UK (with our pets in tow!) and are starting to settle in. We have opened up our bank account and are now looking towards building up a UK credit history. To this end we are trying to find a good credit card that will accept someone who is new to the UK with 0 UK credit.

We're currently looking at options on You're So MoneySupermarket but some of them are asking for past UK addresses which is our main stumbling block. We'll probably give one of the companies a call to discuss, but I figured I'd come here for any suggestions first.

Quick reply to this message
  #2 (permalink)  
Old 2nd August 2012, 07:39 PM
Member
 
Join Date: Aug 2011
Location: UK
Posts: 1,858
Rep Power: 0
2farapart is on a distinguished road
363 likes received
91 likes given

Users Flag! Originally from uk. Users Flag! Expat in uk.
Default

Try your own bank if they issue a credit card, because your bank now already 'knows' you (most of the bigger banks offer their own credit card). You don't have to use it; you can apply for a more competitive card later. Applications often ask if you have other cards and, if so, what. if you have a card already, that makes it marginally easier to obtain the next.

The biggest 'address-verifier' used by credit organisations is the electoral register to check that you are who you say you are. As a non-British national, you cannot be on this register so try to get your name (and address) on as many different documents as you can. Council tax is a good one, and is easy to arrange. Also register with your local GP and you will be granted an NHS number addressed to you (this can also add to your proof of address).

Quick reply to this message
  #3 (permalink)  
Old 2nd August 2012, 07:49 PM
Joppa's Avatar
Member
 
Join Date: Sep 2009
Location: Sunny Lancashire
Posts: 38,579
Rep Power: 10978
Joppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond reputeJoppa has a reputation beyond repute
6352 likes received
190 likes given

Users Flag! Originally from uk. Users Flag! Expat in uk.
Default

Quote:
Originally Posted by 2farapart View Post
The biggest 'address-verifier' used by credit organisations is the electoral register to check that you are who you say you are. As a non-British national, you cannot be on this register so try to get your name (and address) on as many different documents as you can.
If the OP is a Canadian, as a Commonwealth citizen they can go on the electoral register.

Quick reply to this message
Sponsored Links
Advertisement
 
  #4 (permalink)  
Old 2nd August 2012, 07:55 PM
New Member
 
Join Date: Jun 2012
Location: London
Posts: 13
Rep Power: 0
Kaladran is on a distinguished road

Users Flag! Originally from canada. Users Flag! Expat in uk.
Default

Quote:
Originally Posted by Joppa View Post
If the OP is a Canadian, as a Commonwealth citizen they can go on the electoral register.

Actually I had it easy with dual Canadian and British citizenship, this is good to know for my wife though we will look at having both out names added. We are still hunting for a permanent home as my work is paying for 2 months housing, so this means we won't register with a GP just yet. Hopefully won't be long though.

Quick reply to this message
Closed Thread


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Location
Where you live
Expat From Country
Please select the country you originate from. This will appear as a flag when you make posts on the site.
Expat To Country
Please select the country you have either moved to or want to relocate to. This will be presented on the site when you make posts.

Log-in


Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Credit Cards MaidenScotland Egypt Expat Forum for Expats Living in Egypt 76 15th June 2012 10:29 AM
Credit Cards Tropicana Dubai Expat Forum for Expats Living in Dubai 2 3rd June 2012 12:40 PM
Credit Cards MaidenScotland Egypt Expat Forum for Expats Living in Egypt 11 24th December 2011 09:30 AM
~~~~> Credit Cards Silence820 Mexico Expat Forum for Expats Living in Mexico 5 6th June 2011 01:50 PM
Credit cards hari999999 Australia Expat Forum for Expats Living in Australia 2 1st March 2010 06:40 AM

FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 03:16 PM.


Powered by vBulletin®
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.