credit cards
Me asked:


I’ve never wanted or needed to apply for a credit card in my life. however my fiance and I are planning to buy a flat in the next 6-12 months and realise that I’m going to need to improove my credit (apparently never owing money is a bad thing).
My question is what’s the best and safest way to build up credit, are credit cards used as a supplement to debit cards and if you are in credit on your credit card do you earn interest? I know I sound a bit thick but honestly don’t have a clue about these things!!

http://creditcardsandchecks.com