[Redway]

Originally Posted by Cherie

yes credit cards are a great way to spend money as one as you pay it back IN FULL at the end of each month, its basically lending you money until payday, you are also covered for large items as long as you pay 1.00 on a credit card so if you buy a sofa for instance and the company go out of business before they deliver it, you are covered by your credit card and will get your money back in full.

But these are things you’re kinda supposed to know before you even think about asking Barclays or NatWest for a credit card. Not to judge or shade anyone but if there’s any doubt that you’ll be able to pay back what you owe at the end of the month (or spend more than you can realistically-afford to pay back), that’s on them, not the bank. There might be a hoist of tangible reasons (often is, especially where mental health’s concerned) but ultimately that Lidl bag lies with the person more than the bank. Ditto for wonga.com.