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Plus, you get: Whether you have no credit or bad credit, the Visa Blue will help you build it back up.

Your credit card is secured by the shares in your Savings account*, giving you a risk-free way to charge purchases.

If you can't stomach the transfer fee though, Lloyds Bank offers a 0% 25 month deal with no transfer costs.

No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you.

Pay it off regularly and fully to ensure the cashback you receive isn't eclipsed by the charges.Some credit cards are even designed to help those with bad credit to improve their credit rating, helping open the door to a whole range of other financial products they may not have otherwise been eligible for.Long gone are the days of simply using a credit card to buy goods and services.If dipping your toe into the credit card pool is about funding a specific purchase, you need a card offering the longest 0% interest period on new purchases, giving you the longest time to pay off those expensive the best deal on new purchases currently on the market.You can now add Cash to the list of rewards you can get with this card.


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