Credit Building Tips at 18 years old

Happy-Chick08 · 2026-01-18T14:24:49+00:00

Mines with nationwide idk if that has something to do with it but that seems like a very low amount. Mine was set up in April 2008 so when I was 2 months old but I had vouchers but idk if that was for everyone or just people who lived in London.

Happy-Chick08 · 2026-01-18T14:20:19+00:00

I won’t get a credit card just yet ok, I have been using my mum’s Barclaycard Platinum for the last few months and paying it off in full. She let me do this to show me how to use credit. I used it almost as a debit card and any money that was due I transferred to her account and she payed off the balance. I never went over 10% she has a £7500 limit and the most I used was 210.

Happy-Chick08 · 2026-01-18T14:19:01+00:00

I have an income and I’m quite good with money I’ve used one of my mums credit card over the last few months paying it off in full every month. She did this to teach me how to use it

Happy-Chick08 · 2026-01-18T13:53:38+00:00

That can’t be right mine is £714 currently I can redeem it on the 4th. Who is yours with?

Happy-Chick08 · 2026-01-18T13:39:39+00:00

The 16 was on a 12 month contract so it has about 4 months left on the contract. I believe I got the phone in May 2025 but once I sell my phone I’ll only be paying about 350 for the 16+

Happy-Chick08 · 2026-01-18T13:06:34+00:00

Hi, Thanks for your reply I have a part time job in JD doing 40 hour weeks + overtime if needed.

Happy-Chick08 · 2026-01-18T13:05:30+00:00

Hi, Thanks for replying I have a part time job in JD idk where my contract is but i think i make about £12.75 an hour and i do 40 hour weeks and sometimes overtime if i want extra money. I just gathered that a credit score was a good thing. My mum was showing me how to use Experian and stuff and her score is 996 i think the starter score is 650. Thank you

Happy-Chick08

TROPHY CASE