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  • I want to get my first credit credit card so I have the option of car rental when I go travelling this year.

    Any recommendations? My bank is HSBC if it makes a difference.

    One important question before answering this is will you be paying back each month's spend in full? If so, and going on advice that is now a couple of years old, something like a Tesco Credit Card is a good deal as you get clubcard points with every purchase you make.

    I use one for all my business expenses and often spend around 5k a month which adds up to some handy vouchers for Christmas shopping or whatever.

    If you are going to let the debt roll over then look for the best overall interest rate.

    Have a poke round this website for advice.

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