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Credit Cards

Thom Morris Avatar
9y, 7m agoPosted 9 years, 7 months ago
I've never had a credit card and know very little about them but with so many about can someone give me some advice and which one/s is best to get hold of. I don;t want to pay any interest and would intend to pay it off after a month or however long it can be interest free on the card.

I read recently that Egg card has 0% interest until August?

Hope someone can help:thumbsup:
Thom Morris Avatar
9y, 7m agoPosted 9 years, 7 months ago
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#1
So your paying it in full therefore you want to look for best cashback card as interest rates are not going to apply :)

You could look for a long 0% on purchases but doesn't sound like that is what you need so stick with best cashback card.
#2
If spending over £5,000 a year is the American Express Platinum card. Its cashback rates are tiered up to 1.5% (£1.50 per £100 spent), but it also includes a bonus of 3% on everything for the first three months, though you need a minimum £20,000 income to apply


Morgan Stanley Platinum also has tiered rates, paying 1% on spending up to £2,000, and 0.5% above that - also with a bonus of triple cashback for the first three months. For new cardholders, this beats allcomers if you spend under £5,000 in the first year. The only drawback with this card is for those with a less than perfect Credit Score, anecdotally it seems tough to obtain.



Another option for those who don't fancy switching cards after a year, think they may be declined for the cards above or are worried about Amex's acceptability, is Egg Money (not the bog standard Egg card), which pays 1% back on all spending (up to £200/year)


Info taken from MSE

HTH
#3
I think the Conran Visa card also gives 1% cashback :)

Col
#4
Thom Morris
I've never had a credit card and know very little about them but with so many about can someone give me some advice and which one/s is best to get hold of. I don;t want to pay any interest and would intend to pay it off after a month or however long it can be interest free on the card.

I read recently that Egg card has 0% interest until August?

Hope someone can help:thumbsup:


Thom,
Try one of the comparison sites to see who are giving best deals e.g.
http://www.thisismoney.co.uk/cardfinder?ico=tim_ccards&icl=lhs or or sites like Moneysupermarket.
Also worth a read before you apply for any is the MSE info on credit cards. http://www.moneysavingexpert.com/creditcards.

Hope thos helps
#6
thanks for your help everyone, I've been looking at it this evening but it still confuses me, I swore Id never get a credit card and now I'm thinking, should I, shant I...:oops:
[mod]#7
I personally won't have one. Had them in the past but i prefer to just use my Debit card and if i haven't got it...........i don't spend it. :thumbsup:
#8
Thom Morris
thanks for your help everyone, I've been looking at it this evening but it still confuses me, I swore Id never get a credit card and now I'm thinking, should I, shant I...:oops:



If you don't need it don't get one. Thats my advice

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