i dont have a credit card
dont need one

yet im low on points --credit check--because i dont use one.

should i get a credit card(american express)(too improve my credit rating)and pay the mimimal payment.

how do credits cards take the payments off u---and whens best too pay.

am i the only one in the country without a creditcard---lol---thanx

If you are going to get a credit card, get one that does not have an annual fee. Always pay the balance off in full. Never withdraw cash using a credit card ( as well as being costly it doesn't look too good ).

If you have a current account with a Bank, and you have used it well, you should have a good credit rating built up with them, so try them first. You may find you do not need to get a credit card, depends on what you want a good credit rating for?

thanx---state of play

credit rating if i need a loan
but i dont think i will get a credit card--i always pay cash