I've never had a credit card before. I'd like one just so that I can build credit history and make my life easier in the future. I'm 23. I've got a steady income and no credit history at all. I've never owed money and I've never come close to having nothing in my bank. I've got over £10k in my savings account.
I tried applying for one today, however it was rejected at the soft check. I figure it's probably because I have no credit history. I've looked on comparison sites and none of them can find me a credit card that I would be eligible for.
I asked my bank for any options I have to try to improve my chances of getting a credit card, however the customer support couldn't give me anything they deemed as financial support. All they did was tell me that paying off an overdraft improves credit scores, however I somehow feel doubtful that will be enough.
But what do I know? Honestly to me the whole thing makes my head spin.
I can't seem to get my head around the logic that spending more than I have and then paying it off is better than never spending more than I have and having a lot of money saved up. It just doesn't click with me and I would consider myself a pretty smart person.
So I'm going to look up on getting an overdraft now.
It leaves me wondering, how do I get credit history if I can't even get a credit card?
Or as the big question above says, how can I get my first time credit card?
Any help is greatly appreciated thank you.
更新1:
Turns out I was eligible for a credit card. It was just a tad bit dumb and put in my monthly income instead of my yearly, resulting in it getting bounced. All is well in the world now, thanks for your help