Peter Wilhelm
Peter Wilhelm
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Best UK Beginner Credit Cards in Q1 2023
Best UK Beginner Credit Cards in Q1 2023
If you are looking for the Top UK Beginner Credit Cards in 2023, or need a credit card to build your credit score then this video is for you. These beginner credit builder credit cards are for people with no credit or bad credit scores can help you begin to build your credit score easily and quickly starting today.
It doesn't matter if you have poor credit history, these cards are designed to help people with no or bad credit.
Before you apply for any credit card, please make sure you use an eligibility checker as this will let you know how likely you are to be approved before applying and affecting your credit score.
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🎬 WATCH NEXT
Best UK Bank Accounts 2022: ua-cam.com/video/feY5le0SdGA/v-deo.html
Curve Card Review 2022: ua-cam.com/video/etyarI7kUU4/v-deo.html
Best UK Credit Cards You Need In 2022: ua-cam.com/video/nnA6WVz5bJg/v-deo.html
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🕘TIMESTAMPS
00:00​ - Intro
00:13 - Vanquis Classic Credit Card
01:33 - Capital One Classic Credit Card
02:37 - Tesco Bank Foundation Credit Card
04:24 - Asda Money Select Credit Card
05:35 - Barclaycard Forward Credit Card
#UKCreditCards #BeginnerCreditCards #CreditScore
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DISCLAIMER:
Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week!
This is not a financial advice channel and I am not a qualified financial advisor. All information is for education/entertainment purposes only. It doesn’t take into account anyones specific circumstances. If you are making a financial management decision, please contact a qualified licence professional should you require advice.
Переглядів: 42 168

Відео

Chase UK Bank Review & App Tutorial 2022 (Best UK Bank Account?)
Переглядів 23 тис.2 роки тому
Chase Bank UK Review & App Walkthrough 2022 (Best UK Bank Account?) Hey, want to join me at Chase UK? We'll both get £20 when you join and pay in £20. Get started: link.go.chase/emNK/refer?code=mjDzNMl5. T&Cs apply. Is Chase Bank available in the UK? Is Chase bank UK the best bank account available? and can you really get 1% cash back on all purchases? In this Chase UK banking app review and tu...
2022 Goal Setting - How to Set and Achieve Goals (Free NOTION Goal Setting Template)
Переглядів 2622 роки тому
2022 Goal Setting - How to Set and Achieve Goals (Free NOTION Goal Setting Template) Free 2022 Notion Goal Setting Template: mailchi.mp/3bd0f0fee02e/freegoalstemplate Join My Newsletter: mailchi.mp/0d1c61f0d5e5/newsletter Make 2021 your Best Year Yet. If you believe in manifestation, goals setting, mindset, building new habits, this video will help you. In this video I talk through how to set n...
Best UK Bank Current Accounts In 2022
Переглядів 3,8 тис.2 роки тому
Best UK Bank Current Accounts In 2022 In this video I share with you the top UK Current Accounts 2022. Including the Best Current Account Switching Bonus, Best Current Account for Cash Back, Best Bank Account for paying bills, Best Current Account Overdraft, Best Current Account for earning interest 📲💸 FINANCE & INVESTING APPS I RECOMMEND GET A FREE SHARE VALUED UP TO £200 WITH FREETRADE magic....
The BEST UK Credit Cards you NEED in 2022
Переглядів 8 тис.2 роки тому
The BEST UK Credit Cards you NEED in 2022 In this video I share with you the top UK credit cards 2022. Including the Best Rewards and Cash Back Credit Cards, Best Balance Transfer Credit Card, Best 0% Purchases Credit Card, Best Travel Credit Card and Best Credit Builder Credit Card 📲💸 FINANCE & INVESTING APPS I RECOMMEND GET A FREE SHARE VALUED UP TO £200 WITH FREETRADE magic.freetrade.io/join...
Curve Card Full Review 2022 | Is Curve Worth Getting?
Переглядів 6 тис.2 роки тому
Curve Card Full Review 2022 | Is Curve Worth Getting? Heads up! Get 1% cashback on (almost) everything for 30 days when you sign-up to Curve using my link 🤝 www.curve.com/join#D45W3ZLN In this Curve Card & App review and guide 2022, I walkthrough the main features and benefits of Curve. I show you the main benefits curve have to offer as well as some of the curve card negatives. I will the go o...
When To Pay Your Credit Card Bill To Increase Credit Score & How Much To Pay
Переглядів 1,1 тис.2 роки тому
When To Pay Your Credit Card Bill To Increase Credit Score (& How Much To Pay) In this video I show you when to pay off your Credit Card Bill and how much you should pay on your credit card bill to INCREASE your Credit Score fast. People can overcomplicate paying your credit bill but it comes down to 3 simple areas. How much should you pay off your credit card bill to help improve credit score?...
UK National Insurance Tax Increase Explained - How Does It Affect You?
Переглядів 6553 роки тому
UK National Insurance Tax Increase Explained - How Does It Affect You? UK taxes have been increased. With national insurance rates being increased by 1.25% The Chancellor, Rishi Sunak, along with Prime minister Borris Johnson raised your taxes going against their manifesto pledge to not increase tax rates. National Insurance Contributions will increase for everyone by 1.25% with the £36 billion...
Top 5 Credit Cards For UK Students This Year - Best Student Credit Cards 2021
Переглядів 6 тис.3 роки тому
Top 5 Credit Cards For UK Students This Year - Best Student Credit Cards 2021 If you are a UK uni student looking for the best student cards 2021 or want a list of the top credit cards for uni students, then this video is for you as I go through the best student credit cards and credit builder cards available to UK students in 2021. 📲💸 FINANCE & INVESTING APPS I RECOMMEND GET A FREE SHARE VALUE...
Universal Credit UK Help - The 20 Most Asked Universal Credit Questions
Переглядів 48 тис.3 роки тому
Universal Credit UK Help - The 20 Most Asked Universal Credit Questions How to apply for Universal Credit, How much will I get on Universal Credit and Universal Credit Sanctions are among the top 20 most asked Universal Credit help frequently asked questions. 📲💸 FINANCE & INVESTING APPS I RECOMMEND GET A FREE SHARE VALUE UP TO £200 WITH FREETRADE magic.freetrade.io/join/peter/fa107413 UK Only -...
Side Hustle Ideas To Make Money From Home FAST In 2021
Переглядів 7253 роки тому
10 Best Side Hustle Ideas To Make Extra Money From Home 2021 If you are looking for a side gig or side hustle ideas to make extra money from home in 2021 then this video is for you. 📲💸 FINANCE & INVESTING APPS I RECOMMEND GET A FREE SHARE VALUED UP TO £200 WITH FREETRADE magic.freetrade.io/join/peter/fa107413 UK Only - Sign up using this link and make a deposit of any amount to get the free sha...
Why Was My Credit Card Application Rejected? - 10 Reasons Your Application Was Declined
Переглядів 7733 роки тому
Why Was My Credit Card Application Rejected? - 10 Reasons Your Application Was Declined Have you recently applied for a credit card and been denied? Wondering why do credit card applications get denied, or why was my credit card application rejected? This video will help you out, with 10 of the main reasons why people get rejected for credit cards so you know what to do if i get rejected for a ...
Should I Use A CREDIT Card or DEBIT Card? 5 Reasons Why Credit Cards Are Better
Переглядів 1,6 тис.3 роки тому
Should I Use A CREDIT Card or DEBIT Card? 5 Reasons Why Credit Cards Are Better Want to know the benefits of using a credit card, or thinking why is a debit card so bad? This video will explain the benefits of using a credit card and answer the debate of credit card vs debit card. Most successful business people use debt to their advantage and use it as an asset instead of a liability, and you ...
Revolut Plus, Premium & Metal Plan Review 2021 - Are they worth it?
Переглядів 15 тис.3 роки тому
Revolut Plus, Premium & Metal Plan 2021 Review & Tutorial - Are they worth it? On top of the free Revolut standard plan, Revolut have three paid plan with extra benefits and features in 2021. The Revolut Plus, Revolut Premium and Revolut Metal. If you found this video useful and want to join Revolut, you can help support the channel at no cost to yourself by Signing up with my link: revolut.com...
Monese Banking App Review & Tutorial 2021 - Best Travel Card In Europe?
Переглядів 26 тис.3 роки тому
Monese Banking App Review & Tutorial 2021 If you are looking for a complete Monese guide and walkthrough on everything from how to open a Monese account? how to use Monese? through to what are Monese fees? and answering is Monese safe? 📲 Join Monese and get up to £30 once you start spending! Just enter my invite code when you sign up: PETE9430 Download the app here: www.mone.se/7vQs/zj0z06vx 📈 ...
Universal Credit 2021 BIG Changes & Updates (Deductions, Appointments & Legacy Benefits Uplift)
Переглядів 11 тис.3 роки тому
Universal Credit 2021 BIG Changes & Updates (Deductions, Appointments & Legacy Benefits Uplift)
UK ISA Accounts Explained for Beginners 2021 (Cash, Stocks & Shares, Lifetime & Innovative Finance)
Переглядів 4383 роки тому
UK ISA Accounts Explained for Beginners 2021 (Cash, Stocks & Shares, Lifetime & Innovative Finance)
Revolut Banking App Review & Tutorial 2022
Переглядів 106 тис.3 роки тому
Revolut Banking App Review & Tutorial 2022
Universal Credit IMPORTANT Updates (Advance Payments, Pre-Settled Status, Shared Accommodation Rate)
Переглядів 11 тис.3 роки тому
Universal Credit IMPORTANT Updates (Advance Payments, Pre-Settled Status, Shared Accommodation Rate)
What is happening with UK TAXES? : UK Personal Tax, Capital Gains Tax & UK Corporate Tax Update
Переглядів 1713 роки тому
What is happening with UK TAXES? : UK Personal Tax, Capital Gains Tax & UK Corporate Tax Update
95% Mortgage Guarantee Scheme Explained : 5% Deposit with Help to Buy (UK Economic Budget)
Переглядів 1,2 тис.3 роки тому
95% Mortgage Guarantee Scheme Explained : 5% Deposit with Help to Buy (UK Economic Budget)
Furlough Scheme Extended - Rishi Sunak Extends UK Furlough 6 Months Until End Of September
Переглядів 1333 роки тому
Furlough Scheme Extended - Rishi Sunak Extends UK Furlough 6 Months Until End Of September
Latest Changes to UNIVERSAL CREDIT Explained (Uplift Extended & £500 WTC Payment)
Переглядів 9 тис.3 роки тому
Latest Changes to UNIVERSAL CREDIT Explained (Uplift Extended & £500 WTC Payment)
What are the BEST Savings Bank Accounts in the UK?
Переглядів 7783 роки тому
What are the BEST Savings Bank Accounts in the UK?
Rishi Sunak to extend Furlough beyond April? - UK Furlough Scheme Update (UK Economic Budget Update)
Переглядів 1723 роки тому
Rishi Sunak to extend Furlough beyond April? - UK Furlough Scheme Update (UK Economic Budget Update)
How to SWITCH your UK Bank Account (Current Account Switching Guarantee)
Переглядів 2,4 тис.3 роки тому
How to SWITCH your UK Bank Account (Current Account Switching Guarantee)
NS&I PREMIUM BONDS : Should you invest in Premium Bonds?
Переглядів 1 тис.3 роки тому
NS&I PREMIUM BONDS : Should you invest in Premium Bonds?
CAN YOU LIVE ON UNIVERSAL CREDIT? (With No Other Income)
Переглядів 9 тис.3 роки тому
CAN YOU LIVE ON UNIVERSAL CREDIT? (With No Other Income)
DON'T LET DEBT CONTROL YOUR LIFE (MONEY MISTAKES I MADE IN MY 20S)
Переглядів 2043 роки тому
DON'T LET DEBT CONTROL YOUR LIFE (MONEY MISTAKES I MADE IN MY 20S)
HOW TO SAVE ON UTILITY BILLS WHEN WORKING FROM HOME : 10 ENERGY SAVING TIPS FOR HOME
Переглядів 2873 роки тому
HOW TO SAVE ON UTILITY BILLS WHEN WORKING FROM HOME : 10 ENERGY SAVING TIPS FOR HOME

КОМЕНТАРІ

  • @TouilAbdelghani
    @TouilAbdelghani 20 днів тому

    ABDE8358

  • @ng5887
    @ng5887 Місяць тому

    Hi can you pay also aeroplane tickets with simple card or have limiy?

  • @hayleystratus7713
    @hayleystratus7713 Місяць тому

    Do we go 5 weeks without money I'm scared

  • @wesleyekwueme
    @wesleyekwueme 2 місяці тому

    Monnese is crap

  • @wesleyekwueme
    @wesleyekwueme 2 місяці тому

    Hi Peter. I want to create a simple account. How much does the ATM charge per withdraw

  • @pankajchoudhary4600
    @pankajchoudhary4600 2 місяці тому

    As per his accent he is Scottish

  • @paulomenezes3400
    @paulomenezes3400 2 місяці тому

    Are you living in london bro

  • @learning2curve995
    @learning2curve995 3 місяці тому

    As a new claimant a family member is not seeing the screen that says apply for an advance. This person is very sick and has limited income and a car to manage and rent to pay. Any idea why they are not seeing this screen. New application

    • @learning2curve995
      @learning2curve995 3 місяці тому

      now it has magically appeared...wow this is just beyond imagining

  • @stanleystuart2008
    @stanleystuart2008 3 місяці тому

    Here's a double standard they give the y next to nothing to live in each month but if you were to take a foreign spouse to the UK they say you have to provide at least 150 a week for food and clothes double standards

  • @stanleystuart2008
    @stanleystuart2008 3 місяці тому

    They won't give you the job center as a care of address

  • @VinupadmanUK
    @VinupadmanUK 4 місяці тому

    I’m struggling now unemployed on universal credit

  • @karenramsey9264
    @karenramsey9264 5 місяців тому

    How are you supposed to look for a job when you feel demoralised by the fact you're living on such a pitence. I don't own a pair of smart shoes, my hair hasn't been cut months, yet i supposed to go to an interview looking like someone the cat drag in. And yes, it's about first impressions. I want to work, but i am more concerned at the moment. How do i pay for my water as they have just over to debt recovery agency 💁‍♀️. That's really helpful. I never had mental health problems before i went onto UC.

  • @AR-xe1vs
    @AR-xe1vs 6 місяців тому

    Hi Peter how can I contact you, please? Need help with universal credit Thanks

  • @OmarrK154
    @OmarrK154 6 місяців тому

    Yo Nicki we are a couple now

  • @OmarrK154
    @OmarrK154 6 місяців тому

    Staying in a Hostel.

  • @OmarrK154
    @OmarrK154 6 місяців тому

    Above Norah I'll tell you that.

  • @OmarrK154
    @OmarrK154 6 місяців тому

    On the 8th of every month.

  • @RDAR1982
    @RDAR1982 6 місяців тому

    Does th amount you can get be told to you when you apply. As you state in the video the advance amount will be what you are entitled to so will what your entitled to be told to you when you make the application as in on that day?

  • @kartopu1249
    @kartopu1249 6 місяців тому

    Hello channel owner, please I want to ask something urgently. I would be very happy if you answer. I live in England. and my wife couldn't work because she had surgery. We receive universal credit assistance. Except for rent assistance. What I want to know is that my husband is working again and his monthly income is 800 pounds. We are a family of 3. My daughter, me and my husband. My daughter is 15 years old and I attend my appointments regularly every 2 weeks. My husband doesn't go on appointments anymore because he works part time. How much universal credit do we need to pay? Since I'm new, I don't have much information. I would appreciate it if you could answer me because I want to know if everyone's common salary is the same as ours.

  • @carolinenash682
    @carolinenash682 6 місяців тому

    Great review. Ive used Monzo for over a year and I cannot find out how to update/change my income. Can you help please

  • @TheRazvancristian
    @TheRazvancristian 6 місяців тому

    Hi.i got universal credit at the moment..today i just stop working ,in the factory where i been for 9 years...how to let know universal credit about that?what section to chose to let them know about that?thank you

  • @melaniangulo2009
    @melaniangulo2009 6 місяців тому

    Hello, good Mr I want to ask you a question. I have Universal C and I want to make a loan to my bank. Do you know if this will harm me if I do it?

  • @IssaNawaz5996
    @IssaNawaz5996 6 місяців тому

    Like Credit Card 💳 Visa And MasterCard Apple Pay Google Wallet Or Pay Android

  • @kartopu1249
    @kartopu1249 7 місяців тому

    How much Universal credit payment does a family of 3 receive if working part time? My husband's income is 800 Pounds. Can you please answer me on this subject? I don't know much about it. They make deductions all the time. Actually, I have a few more questions I want to ask.

  • @oliverokafor19
    @oliverokafor19 7 місяців тому

    Hi

  • @geluirod5842
    @geluirod5842 7 місяців тому

    As a self employed,and i ve got uc ,do i have to declare those money on my tax assessment?end of the year,thank you!😇

  • @anton5479
    @anton5479 8 місяців тому

    Hi peter can you tell me who to get a virgin money credit card?

  • @SimoneWest-n1j
    @SimoneWest-n1j 8 місяців тому

    Its come to something when the main UK jobseeker benefit has a mechanism to get you into long term debt

  • @uk9277
    @uk9277 8 місяців тому

    How to change my email because I lost my email in universal credit and did if I change my email will affect my claim ? Please let me know thank you

  • @millie2687
    @millie2687 8 місяців тому

    Can I still go to Benidorm…

  • @damarismolinaparada464
    @damarismolinaparada464 8 місяців тому

    good evening.. I tell you, I have lost my job and I am looking for and my husband works but his salary does not cover all the payments on our house. I could apply for help with the rent on my house, thank you

  • @pershinghughes7163
    @pershinghughes7163 8 місяців тому

    Man, I love you and love how clear you explain it all, thank you so much 💓 I have a question, I'm a single mum of 11 years old son, I receive universal credit and I work 16 hours a week, my boss just notified me about cutting hours of all the employees, im down to 14 hours I'm now, would the jobcentre expect me to more hours than 14 hours? Thank you for the most helpful channel. Thank you ❤

  • @ImranKhan-ud3qw
    @ImranKhan-ud3qw 8 місяців тому

    Hi Peter. I am a UK passport holder. My wife is on spouse visa. As we are living together, applying for Universal Credit (UC) requires to make a joint claim. I want to ask can we make a joint claim as spouse visa says "no public funds". Please guide in this regard, Thanks.

  • @Mistress-illyanna69
    @Mistress-illyanna69 8 місяців тому

    Anyone self employed on pip and UC? I'm still receiving legacy benefits and am bricking it as i don't know how its going to affect me. I also have 2 special needs kids in dla and am fearful of the future as i dont earn much.

  • @linkedinfred
    @linkedinfred 9 місяців тому

    Very useful for UK young people starting out with credit. However, as you mention that these are cards to build your credit score, you have missed a crucial element. Credit utilisation. The four main credit brokers use the fico score to determine an overall score. The second highest element in scoring is credit utilisation. At the end of each billing cycle the lender reports on several data points and one of these is how much of the credit limit has been used. Typically, although the lender is happy to lend you the full agreed limit the brokers see anything above a 30% spend on your credit limit as stressing the account. This directly impacts the scoring. The way to circumvent this is if you find you are spending more than the said threshold , you can either ask the lender to increase your limit or you can pay some of the outstanding amount during the billing cycle. One more point here. Try not to arrive at zero balance at the end of a billing cycle either. After all you are trying to demonstrate to the brokers that you are responsible debtor who is managing their loans. A zero balance is showing the broker that you haven’t actually borrowed any monies. Hope this helps.

  • @EdVanMeyer
    @EdVanMeyer 9 місяців тому

    If they mess you about get your MP involved. The DWP is in chaos behind the scenes.

  • @videohut4445
    @videohut4445 9 місяців тому

    Many thanks. Excellent video presentation. I recently opened a Chase UK account.

  • @Choco_Baba
    @Choco_Baba 9 місяців тому

    Thank you

  • @rajimorufu7465
    @rajimorufu7465 9 місяців тому

    Nice one

  • @lifeisagame2023
    @lifeisagame2023 9 місяців тому

    It's getting harder

  • @marinayasin9763
    @marinayasin9763 10 місяців тому

    If I was to buy some think for £260 how many months will I get to pay it back off on a Asda credit card

    • @PeterWilhelm
      @PeterWilhelm 10 місяців тому

      It depends how much you pay off each month. If you pay it back within the month you don’t pay any interest. If you pay minimum payments every month it could take around 2 years

    • @PeterWilhelm
      @PeterWilhelm 10 місяців тому

      Credit cards, especially beginner ones aren’t good if you use them and plan to pay off over a long time. It’s good to get into the habit of only using it for things you have the money for and can pay the balance off in full every month

    • @marinayasin9763
      @marinayasin9763 10 місяців тому

      Can you buy now play later. Also would you no if they do months to pay it back or do they provide years to. And thanks alot for then help 😁

    • @PeterWilhelm
      @PeterWilhelm 10 місяців тому

      @@marinayasin9763 honestly credit card companies want you to buy now and pay later because that’s how they make their money by charging extortionate interest rates. So as long as you make the monthly minimum payments, they will be happy for you to take years to pay it, but you end up paying much more than you initially spent because of the interest. That’s why I would never recommend using credit card for anything you can’t pay back the same month. There are exceptions to this but not with any beginner cards. If it’s an emergency and you have absolutely no other option then I suppose you could, but I would try and borrow it from family or friends or something first. If it’s not an emergency then I would delay buying whatever it is for a few months while I saved the money. Sorry for the long reply 🤦🏽‍♂️ hope that helps

  • @64bit-
    @64bit- 10 місяців тому

    Which ones the best for a uni student?

  • @Hydraulic_press_items
    @Hydraulic_press_items 10 місяців тому

    Hi, I have a 875 credit score but I keep getting declined on the eligibility checker?

  • @carolmiles7474
    @carolmiles7474 10 місяців тому

    AI taken job,

  • @asifghanchi99
    @asifghanchi99 10 місяців тому

    Thank you so much ..this video helped me so much

  • @goldenballssmith9689
    @goldenballssmith9689 10 місяців тому

    When i was 18 i only for £75 fortnightly!!! i wish i had got £344 monthly!!! I was eventually evicted for rent arrears which wasn't all my fault. had i been on £344 monthly i wouldnt have ben evicted!

  • @namrinerobert8436
    @namrinerobert8436 10 місяців тому

    Hi, can you please explain if I work more hours will it impact my universal credit but will it impact my housing element as well. Also, I have a joint account with my husband because he is disabled and by picking more hours I don’t want to impact his universal credit payment. How will it work please explain

  • @JustE-gb7hl
    @JustE-gb7hl 11 місяців тому

    Hi Peter How does this free trase work please any help off anybody not just peter would be highly appreciated thanks

  • @231natasha
    @231natasha 11 місяців тому

    Does universal credit beed to be paid back?

  • @janetullah3253
    @janetullah3253 11 місяців тому

    Do a student get universal credit if doing full time study for masters degree