can you get a credit card with a zero limit

amn88 · 16-09-2011 02:50PM #1

Just wondering if it is possible to get a credit card without any credit as such. i.e. i just need the use of a credit card for paying online etc but dont expect the bank to give our new business any credit at the minute. but i would happily lodge a few grand on to credit card just to have the use of one.

GSF · 16-09-2011 02:52PM

you can get a prepaid card like moneybookers.com provide

testicle · 16-09-2011 02:53PM

Just open a current account with Ulster Bank and you'll get a Visa Debit.

galah · 16-09-2011 02:55PM

either get a prepaid card, or talk to your bank about a credit card that you pay off in full every month (so you won't actually use the 'credit' facility as such, and you won't incur any interest) - they shouldn't have a problem with that (although your limit may be lower since you can only spend what you earn, realistically).

Pablo Sanchez · 16-09-2011 06:59PM

American Express, its not a credit card as such. You have to pay it every month in full.

fleet · 18-09-2011 02:30PM

In order of (my) preference:

1. Visa Debit card on a current account (Ulsterbank, PTSB, others soon).
2. American Express aka Amex. It's a "charge card", so they extend you credit for a month but you have to pay if off in FULL every month
3. Prepay Mastercard

IMHO? Visa Debit and save yourself the grief and expense

can you get a credit card with a zero limit

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