p
Member
Registered: 20th Apr 04
Location: England
User status: Offline
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Just wondering what credit cards people have on here, what's the best going about in terms of APR etc
Any advice would be good. http://www.moneysupermarket.com/credit-cards/
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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I have a Capital One, maxed out 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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These days it's more a case of finding the one with the longest 0% period. The link you posted should tell you that.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i just got a barclaycard platinum with 0% on balance transfers and purchases for 14 months.
tesco clubcard is 0% for 15 months and you get points so its a good deal.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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halifax all in one has good offers on too now, i've got 5 all in  need to cancel them  only barclaycard has money on.
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Barclaycard Platinum.
Can redeem bonus offers against high street stores too. I get money accumilated for Shell transactions (Although you can not currently redeem those  )
Online is quite good too.
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John
Member
Registered: 30th Jun 03
User status: Offline
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I got a capital one card cashback card before christmas, extra cashback for the first couple of months, got quite a bit back over christmas and new year.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Barclaycard Platinum also, 0% runs out in April so need to apply for a new one really
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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I have two Natwest ones. One for personal use, and the other for anything work related (Hotels and Fuel etc)
No idea what the % is for each card....because i pay it off in full each month. I honestly can't get my head round why people insist on getting 0% cards. If you can't afford to buy something...save up for it. This is one of the biggest problems with the world IMO.
Queue the haterz who are living on the never never
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oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
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I just have one with my bank, lloyds. Only reason is i can pay it with 1 click on the internet banking 
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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quote:
Originally posted by Aaron
I have two Natwest ones. One for personal use, and the other for anything work related (Hotels and Fuel etc)
No idea what the % is for each card....because i pay it off in full each month. I honestly can't get my head round why people insist on getting 0% cards. If you can't afford to buy something...save up for it. This is one of the biggest problems with the world IMO.
Queue the haterz who are living on the never never
why would you outlay a chunk of cash that you could potentially be earning interest on when you can spread the cost of it without any penalties?
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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quote:
Originally posted by Fro
quote:
Originally posted by Aaron
I have two Natwest ones. One for personal use, and the other for anything work related (Hotels and Fuel etc)
No idea what the % is for each card....because i pay it off in full each month. I honestly can't get my head round why people insist on getting 0% cards. If you can't afford to buy something...save up for it. This is one of the biggest problems with the world IMO.
Queue the haterz who are living on the never never
why would you outlay a chunk of cash that you could potentially be earning interest on when you can spread the cost of it without any penalties?
exactly - providing you pay it back over the term whats the issue
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noshua
Member
Registered: 19th Nov 08
User status: Offline
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Or something unexpected comes up, like a problem with the car/house etc
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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quote:
Originally posted by noshua
Or something unexpected comes up, like a problem with the car/house etc
Yes, i agree with this use for a credit card...but, just buying things because you want it there and then isnt right. It's just me personal opinion, and its the way i've been brought up. I've been brought up to live within my means. I've never been rash with purchases. I've saved up for big purchases such as cars, DJ'ig equipment and snowboards. I havent just whacked them on a credit card and then had to shuffle the balance around to different cards when the 0% interest has got close to running out.
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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Also, i dont like debt. I dont like the idea of knowing that i owe someone money.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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do you have a mortgage aaron?
bit of a narrow minded view you have tbh. i always put the car insurance on the credit card and pay it off over the year as it works out cheaper than paying interest with monthly payments.
also, if i want something for the house, i can put it on there rather than waiting a year to save up for it.
i think you need to come out of your war rationed cave and live in the modern world. take advantage of being good with money and savings and the 0% deals are a good choice.
it's only the retards that get themselves into all sorts of shit who shouldn't get them.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Nothing wrong with taking advantage of offers like 0% interest and being sensible with money. I certainly will be when I move out so I can have a sofa to sit on and some food to eat
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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A lot of furniture companies offer their own 0%.
I kinda see Aarons point, in that if you forget to move something you'll be hit with a big charge and if its not a massive amount of money, the interest you earn leaving cash in the back is awful.
On £1000 you might earn £20-£30 tops. I can't be bothered with the hassle.
I use my credit card for everything though, if only for the cashback for money I'm spending anyway.
[Edited on 24-02-2012 by AndyKent]
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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also if you don't have a mortgage its a good way of improving your credit score - providing you keep up repayments
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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That too, plus some banks let you offset your savings against your mortgage. Can invest with you cash etc
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by whitter45
also if you don't have a mortgage its a good way of improving your credit score - providing you keep up repayments
Somethings gone wrong with my credit rating recently and i've just got one of those shitty rate vanquis credit cards for the sole purpose of improving my credit rating. Rate is awful but i'm just going to fill up my car a couple of times a month and pay off the balance each month.
I used to have 4/5 credit cards, was very silly with them but that was down to my attitude, free money... it was not!
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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quote:
Originally posted by Fro
That too, plus some banks let you offset your savings against your mortgage. Can invest with you cash etc
yeah offset mortgages are good if you have savings
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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quote:
Originally posted by Ben G
do you have a mortgage aaron?
bit of a narrow minded view you have tbh. i always put the car insurance on the credit card and pay it off over the year as it works out cheaper than paying interest with monthly payments.
also, if i want something for the house, i can put it on there rather than waiting a year to save up for it.
i think you need to come out of your war rationed cave and live in the modern world. take advantage of being good with money and savings and the 0% deals are a good choice.
it's only the retards that get themselves into all sorts of shit who shouldn't get them.
No mate....no mortgage.
Narrow minded? I don't think so to be honest. Perhaps I think you're narrow minded if you like to put it on a credit card rather than save up for it. That's the beauty of an opinion. Who gives a fuck if not a single person on here agrees with what I believe is the correct financial way to live?
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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By the way. I aren't saying credit cards are wrong. Every transaction I make on plastic (99% of the things I buy tbh) is done on one of my credit cards, however, the difference is that I like to pay off the full balance right away...in one lump sum.
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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I fucking love 0% credit cards. If you're anywhere near organised you can save a bloody fortune on stuff. I've bought holidays, insurance and put down massive car deposits by spanking 0% cards. In turn, I don't need to bend over and pay interest to the travel agents/insurers or car finance people.
Only a mug saves up for stuff nowadays, the only people dafter than savers are people who use credit cards and fuck it up - ending up in a world of uncontrollable debt
Lotus Elise 111R
Impreza WRX STi
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