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Best Credit Card for Purchases
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Just wanted to add, as a post-script to Martin's article, that the HSBC standard card is good for those who have balances to shuffle but still need to spend.
The payments always go towards the high rate spending debt, leaving the balance transfer alone and untouched.
Seeing as HSBC have an ongoing 3.9% BT rate, you also can spend on another card, pay that amount off the HSBC and shift the debt over each month. I still have a 2k debt but have managed to get nearly half of it onto 3.9% and any payments I make are still paying off the high rate debt, currently around 19% I think.0 -
I intend to get a credit card to make internet purchases - especially from Canadian DVD websites like DVD Soon / Hong Kong CDWow to take advantage of good exchange rates. I seem to remeber on another thread that the Halifax One card doesn't charge extra for purchases made in other currencies - is this right and are there any other cards that are good for international purchase?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Seeing as HSBC have an ongoing 3.9% BT rate, you also can spend on another card, pay that amount off the HSBC and shift the debt over each month. I still have a 2k debt but have managed to get nearly half of it onto 3.9% and any payments I make are still paying off the high rate debt, currently around 19% I think.
As far as I am aware HSBC are cancelling the 3.9% offer from 30th April, unless anyone knows to the contrary.
Be sure to max out your HSBC by then to get the full benefit. Even better if you can pay it off with another card then balance transfer the entire amount for a further full six months.
If any knows for sure that HSBC are continuing with this please post, as I am frantically trying to clear mine and max it by the end of the month.
Edit - not the entire amount, be sure to leave a little spare to cover the first months interest.0 -
The Lloyds TSB Platinum credit card has a low standard interest rate(13.9%) and 0% on balance transfers from non-Lloyds TSB credit cards made within 6 weeks of account opening. In addition, 0% interest on purchases until 1st September 2004.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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The Lloyds TSB Platinum credit card has a low standard interest rate(13.9%) and 0% on balance transfers from non-Lloyds TSB credit cards made within 6 weeks of account opening. In addition, 0% interest on purchases until 1st September 2004.0
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Does anyone have any info on how long Sainsbury's are likely to keep their 12 month offer for 0% on purchases running? I'm tempted, but don't need the card just yet, and I think I'll have more chance of being accepted if I wait a month or so (the card seems to be provided by Halifax, who turned me down a couple of months back). I haven't been able to spot anything in their terms and conditions.0
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Hi,
After monitoring the best credit card deals for a while it is now time for me to get a new one. I saw the article on reward schemes and decided to apply for the siansburys visa card as it is 0% on all purchases for 12 months. Great deal I thought!! ;D Martin even suggested going for the platinum and if you weren't accepted then they would put you forward for the standard card. Unfortunately this didn't happen and when I wasn't accepted I wasn't even offered the standard option.I'm a bit miffed as I haven't been refused credit for a year now and its only cause my egg card deal is running out and I need to buy a flight to see my parents. Can anyone help and suggest where I go now ???
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