How to get a credit card - CapitalOne Visa Card?

• Does using a debit card affect my credit history?
• CapiatlOne, Vanquis or Aqua - what is a typical starting credit limit?
• How am I linked to my credit rating?

Does using a debit card affect my credit history?

Using your debit card has no direct connection with you official credit history kept by credit office. On the other hand it does connect to whatever your bank keeps on you. For example, if you overdraft on the debit card, it will go on your bank record. Your bank keeps separately your profile and can use it to provide you with a credit line. Therefore it is good to have proper relationship with your bank.

CapiatlOne, Vanquis or Aqua - what is the typical starting credit limit?

They all provide you initially with very small credit line.

• Aqua - £200
• Barclaycard Initial Credit Card - £250
• CapiatlOne - £200
• Vanquis - £250

How am I linked to my credit rating?

First name, surname, postcode are enough to identify most of population. When you narrow it down to current address previous and date of birth then you are uniquely identified.