If you have no credit history or have been turned down for credit in the past, this card is a great first step toward building a good credit history.

If you have no credit history or have been turned down for credit in the past, this card is a great first step toward building a good credit history.

Here are some of the benefits of having a credit card:
• Build a good credit report – a good credit report will help you buy a house, a car and get you the best interest rates on both. A bad one will stop you getting pretty much anything you can’t pay up front for. Getting a credit card and using it sensibly is the best way to build a credit record or rehabilitate a bad one.

• Protect your money - If you lose your credit card or suspect fraudulent activity, contact your bank or credit card issuer right away. They can block your card and account number so no one else can use them and provide you with a new card and account number.

• It’s the only way to pay - Some companies will still insist on a credit card when taking payment, for example when you make hotel reservations or rent a car. This is because with a credit card they get greater assurance that they can recoup any additional costs you run up.

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