If you have a TCB account, you could try this instead: https://www.topcashback.co.uk/tesco-bank-foundation-credit-card/
Agreed. HSBC are so slow its unresl. I wasn’t automatically accepted had to send wages etc... But first world problems. For me I can get my gas fire and get £25 off so its a no brainer You would be better getting a credt builder card to start you off
I applied for one of these cards online on the 19th September. I still have not received it over 1 month later. I phoned HSBC who told me I'd been accepted, and that the card would be sent shortly. So if you do apply, you may be waiting some time for your card.
Thank you for your answer and time responding. I only spend what I can afford to be honest, but I've never had a credit card (only debit cards) and I wanted to build credit score, so I'm trying to get my first credit card.
If you’re not in a position to pay it off, yes most certainly. Of course, it’s always advisable to only spend what you can afford, but 0% credit cards can be a nice way of spreading the cost of a larger ticket item without the initial out lay. And if you already have the money for the item, by spreading the costs and putting it into an account that earns interest, is another way of maximising the pennies. Worth noting in this card, that if you’re transferring a balance to this card, there’s a 2.89% fee.