Continuing with a topic I started a while ago... A month and a half ago I've started work and now I'll be able to apply for a credit card. Although I don't have a bad credit record, I have little credit or resident history and I'll like to apply for a not-too-strict card. I'm not worried about APR as I don't plan to borrow (and never did borrow when I had a student credit card--after studying I wasn't allowed to extend it, however), but ultimately I'd like to move on to a rewards or cashback card. I was also interested in Abbey's 0% foreign commission card but their TC's say they issue to people who've been working the last 12 years--not quite my case. For now I'll take any card to build a history, but I heard that a few cards that are very easy to get can actually hurt your history? I can imagine why having a card meant for people with adverse history might lump you together with other bad-credit-score people. Could that be the case with Capital One's classic card? In a separate case I read an old article about Capital One's and other cards unintentionally not helping you improve your credit history as much as they could--they count your borrowing in a different way such that it exagerrates the amount you borrow, making you look more indebted than you are? Anyway, I'm looking for a card that's good for someone who's just started working for one and a half months on a starting salary of 18k pa (full time), resident in the UK for a year and a half so far (my longest unbroken period of residence here). Should I wait for another paycheck or two to go into my account before I start applying? I've tried asking credit card issuers and they tell me to go ahead and apply--but we all know that should I be refused, I'd just be digging myself in deeper.
Seb