mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
where is the best place to shop for a credit card? gonna pay this years van isurance on it to save me forking out for it all at once. the insurance company charges 29% for monthly payments so the plan is to whack it on a card and pay it monthly at 0% over the comming year
[Edited on 16-09-2010 by mattk]
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
http://www.moneysavingexpert.com/cards/best-0-credit-cards
Tesco 13 months 0% looks to be the best deal atm.
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
tesco and halifax.
plus with tesco you get clubcard points when you use it.
|
Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
|
Just make sure you do pay it off during the 0% period because if you over run you'll get raped. And don't be tempted to put other things on it! Too easy to get tempted to go shopping with it!!!
I hate credit cards. I have one. But only use it to buy big things like holidays with so I get the extra
protection etc. And it gets paid off in full straight away.
|
Tomnova16
Premium Member
Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline
|
i use mine for everything as i get airmiles with it, started buying things through the business with it too so the airmiles rack up even more, and yes, pay off straight away, i do it at the end of every week
http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
|
AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
|
I use mine for everything too. So long as you don't go crazy with them and spend more than you have coming in it's fine. I get 1% cash back on my egg card on all purchases so usually a nice £30/40 back for money I was spending anyway.
|
whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
|
I have just got an MBNA one
I had a sainsbury's one for Route66 and got shit loads iof nectar point - just paid it off under interest free
MBNA used to buy my new watch and I iwll get loads of highstreet vouchers and 0%
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
its sole purpose will be to pay the insurance, I do have the money for the insurance I could just do without paying it all out at once, I wont be using it for anything else
if theres one thing Im good at its not spending money if I dont have to 
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
had a look at the tesco one, looks perfect
say I want to spend £1000, can I set up a DD to the card for 83.30 a month and have it paid in 12 months and it all be fine
or do I need to pay it over the 13 months?
credit cards seem daunting to me for some reason
|
whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
|
quote:
Originally posted by mattk
had a look at the tesco one, looks perfect
say I want to spend £1000, can I set up a DD to the card for 83.30 a month and have it paid in 12 months and it all be fine
or do I need to pay it over the 13 months?
credit cards seem daunting to me for some reason
you have 12 months from when you are approved - so basically setup a DD to cover a 11 month period to clear before introductory rate clears
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
great, the is no charge for paying it all off early then like there is a loan?
|
VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
|
quote:
Originally posted by mattk
great, the is no charge for paying it all off early then like there is a loan?
Nope none at all. fees if your late
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
Thank you very much
|
Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
|
I got one with Halifax for the saem reason as you, definately a better option as opposed to paying monthly/taking it out of savings.
|
Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
|
quote:
Originally posted by Ben G
tesco and halifax.
plus with tesco you get clubcard points when you use it.
Yeap i have one of each for the very purpose, got 9 months on my halifax and 12 on tesco
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
Virgin Credit Card normally also have good rates.
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
Didnt get this credit card as I am self employed 
will this have done anything to my credit rating because I didnt get approved?
|
scoob
Premium Member
Registered: 16th Oct 03
Location: Beverley, E Riding of Yorkshire
User status: Offline
|
yea will of made it worse for abit just dont go mad applying for loads more wait a while
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
fuck that, Im gonna go the bank tomorrow and apply in person so I can tell them im self employed before they start!
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
It won't have made any difference at all to your credit rating, that's only a problem if you apply for loads.
|
strick206
Member
Registered: 12th Apr 07
Location: Wigan Drives:Integra DC5
User status: Offline
|
The best people to get a credit card from is you bank
Find out what deal they do and apply for that, you are much more likely to be accepted if you go to your bank
|
dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
|
Think we might do this for the car insurance next month, our mortgage is with Halifax and has been for 7 months, but Ive been with HSBC for about 12 years and already have a student credit card with them, which would be best to go to? I might apply online but would rather not got rejected
|
Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
|
One credit search doesn't affect your credit rating, doing shitloads in a very short space of time does.
|
Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
|
I've applied for Halifax today. My current 0% ends in 2 months so plan on paying that off with cash and use this other card for purchases. Mainly just food, bills are on DD.
I'll then start paying off the Halifax card.
I'm trying to save money where ever i can. £30 transfer rate and 10% on car insurance etc - all adds up. Once i've sorted out the payment to my management company as well, that's like £100 i've saved. Just a matter of planning.
[Edited on 17-09-2010 by Andrew]
|
Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
|
quote:
Originally posted by mattk
fuck that, Im gonna go the bank tomorrow and apply in person so I can tell them im self employed before they start!
Do not go and apply the day after. If it's like a loan, it'll probably get shot down straight away as you've already applied for, and been refused, within 30 days. Go and speak to one of the financial advisers, they will guide you in the right direction.
|
