0% period ended - which card do I move to?

Any

YorkshireBoy wrote: »

It's a gimmick at best; and encourages you to apply for cards you probably won't be accepted for. Why does it do this? To get you to apply for cards from their 'sponsored' list, ie they earn commission if you apply through the links on the results returned.

For example, it ranks me as "excellent"...and I know I'm not. It recommends I apply for the Capital One Platinum card (until 01/01/2010), even though I entered that I have...

* a missed payment, and
* 9 (nine) other credit cards, and
* applied for 3 or more cards in the last 6 months

...and we all know you have to be spotless to get accepted for that particular card.

Two of the most important elements of credit scoring, ie income and expenditure...which together determine affordability, are missing from the list of questions. IMHO, the 'smart search' isn't very smart at all.

This is strange. I went on and did the Smart search too.
I haven't got a missed payment, have 4 credit cards and applied for 2 credit facilities in past 6 months - and still came out only as "good".
But it did suggest to take out the Capital One card too and as you say, you need to be Excellent to get that one.
Though in many previous threads has been mentioned that even people with Excellent scoring don't get accepted, so it's all very strange.