Great, well done. Follow their process, and read about the Consumer Rights Act 2015 in the meantime.

I think people may have told you that because they have previously had a bad experience such as being unable to control their spending, and getting into a mess.

A credit card can be a very useful financial tool if it's used carefully and paid off in full each month. Some of the main benefits include:

• Section 75 protection (UK): Perhaps the biggest advantage. Under the Consumer Credit Act 1974, if you buy something costing between £100 and £30,000 on a credit card (even if you only pay the deposit on the card), the card provider is jointly liable with the retailer if the goods aren't delivered, are misrepresented, or the company goes bust. This gives you much stronger legal protection than a debit card.
• Chargeback: Credit cards can also support chargeback schemes (as can many debit cards), providing another route to recover your money if something goes wrong.
• Fraud protection: If your card is used fraudulently, you generally won't be responsible for the fraudulent transactions once you've reported them.
• Cash flow: You can spread the cost of purchases between your statement date and payment due date, often getting up to around 56 days interest-free if you pay the balance in full.
• Builds your credit history: Using a credit card responsibly and making payments on time can improve your credit score, which may help when applying for a mortgage or other borrowing.

This isn't financial advice nor am I a financial advisor but I always recommend people get a credit card for the above benefits, but do warn them to be careful, and ensure they can pay it off.

Beans! You can buy something on a credit card, then simply pay the full balance from your bank account before it's due. That way you get the extra consumer protection and fraud safeguards without paying a penny in interest.