antnee
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Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Look to todays post 
[Edited on 29-02-2012 by antnee]
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Dave
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Registered: 26th Feb 01
Location: Lancs
User status: Offline
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You'd be better off with a small loan rather than credit card for that, drawing cash on a credit card can be costly.
See if there is a credit union type scheme local to you, they are quite good for small loans.
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Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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If you can pay for it using the credit card, rather than getting cash out, aslong as the credit card has interest free for 12 months or a while at least you can just pay a bit off each month and incur no charges at all.
But yeah getting cash out can be pricey. I wouldn't bother with a loan for that amount personally as you will incur lots of charges doing that when compared to a credit card.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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Depends on your credit but if its low a credit card imo would be easier to obtain. If you can get one interest free than use it, if nit you can always make a purchase on eBay to yourself using it and withdraw the cash to your vabk, yeah you will have the paypal fees but that will be cheaper than a months interest if.you have a high Apr due to shit credit
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AndyKent
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Registered: 3rd Sep 05
User status: Offline
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If you're wanting to withdraw cash off the card then don't even think about a credit card. You'll be charged a fee for withdrawing and 0% interest won't apply either = cost a fortune.
How long would it take to save up, at most, £500 quid. Just wait tbh.
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Dan
Premium Member
Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
User status: Offline
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Alot of cards now let you transfer money to a debit card. Which is part of your interest free bit.
That's the best option.
You can then put what you need over and pay it off as much as you can when you can. Worst case it goes over 12 months, you just balance transfer to the next card
Adult GiftsClick here to vist us
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antnee
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Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Just to bump this a little,
Similar-ish situation, need to insure the Ibiza, so need to find just over £900, option the insurance company gave me isn't really viable (high deposit and only 6 monthly payments).
I went to my bank back in December about a credit card, they said as Im a student they wouldn't give me one. I am now in a part time job and will earn much more during the summer so should this be grounds to now get a £1000, 12month loan?
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John
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Registered: 30th Jun 03
User status: Offline
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Get a credit card from somewhere other than the bank.
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Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
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may sound dodgy but ask your dad to get one out and buy insurance, then you pay him each month.
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Fro
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Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
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I'd do as Ben said if you can't get a 0% card with another provider.
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Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
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its how i used to afford car insurance at 2k+ 
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noshua
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Registered: 19th Nov 08
User status: Offline
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quote:
Originally posted by antnee
Just to bump this a little,
Similar-ish situation, need to insure the Ibiza, so need to find just over £900, option the insurance company gave me isn't really viable (high deposit and only 6 monthly payments).
I went to my bank back in December about a credit card, they said as Im a student they wouldn't give me one. I am now in a part time job and will earn much more during the summer so should this be grounds to now get a £1000, 12month loan?
What bank? I was with Natwest for 2 years before I opened a student account along side my normal account, they offered but I kindly declined a student credit card, a few weeks later I got one through the post  £350 limit on it at first but that soon shoots up if you ask them.
EDIT: It's not interest free though so I'd do what Ben said
[Edited on 01-03-2012 by noshua]
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Liam-Wilko
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Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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best way IMO is to save up and pay with cash no credit or anything that way if you save you buy what you can afford and avoid what you cant
not always easy to save but you will feel much better than always worrying about paying it back
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Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
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no it isnt, dont listen to the man who doesnt understand tax
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Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
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also id like to see you save up around 200k for a house
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Liam-Wilko
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Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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quote:
Originally posted by Ben G
also id like to see you save up around 200k for a house
so he gettign a credit card for a house 
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John
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Registered: 30th Jun 03
User status: Offline
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Not much difference between saving up £X a month and getting it in 12 months, or getting a credit card, buying it now, then paying £X for 12 months.
Except you get it now, which is better.
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Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by liam-corsa-1400
quote:
Originally posted by Ben G
also id like to see you save up around 200k for a house
so he gettign a credit card for a house
your statement was general and applied to anyone who has debt either in a loan, mortgage, cc etc.
as john said , a 0% on purchases cc is fine. unless you are retarded
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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paid all my credit card off now, was fed up with it so decided a year ago not to use it and setup a direct debit to pay it off each month.
feels great
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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quote:
Originally posted by Ben G
quote:
Originally posted by liam-corsa-1400
quote:
Originally posted by Ben G
also id like to see you save up around 200k for a house
so he gettign a credit card for a house
your statement was general and applied to anyone who has debt either in a loan, mortgage, cc etc.
as john said , a 0% on purchases cc is fine. unless you are retarded
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Liam-Wilko
Member
Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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quote:
Originally posted by 3CorsaMeal
paid all my credit card off now, was fed up with it so decided a year ago not to use it and setup a direct debit to pay it off each month.
feels great
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