What Card To Get?!

Budweiser_072000

hope this is in the right forum but im looking to buy a new computer it will cost around £1300 for my college course and im looking to put it on a credit card and pay it off in around 12-18 months, after reading all the articles on what card to get i end up getting confused with all of them, just wondered if anyone could recommend a few specfic cards i could choose from. chears

YorkshireBoy

Two options:

Grab the longest 0% on purchases card you can (eg 12 months with the Tesco 'in-store' special)...

http://www.stoozing.com/purchases.php

Or, for a circa 3% fee, grab a super balance transfer card (eg 16 months with Virgin Money), and transfer the cash at 0% to your current account...

http://www.stoozing.com/sbt.php

Option 1 gets you section 75 purchase protection. Option 2 doesn't!

Budweiser_072000

thanks for the info makes this easier on the head

what about a cashback card are they worth it??

Belnahua

Just an aside, and sorry if I'm interfering, but £1300 for a computer sounds very very steep? Considering you could pick up a decent one for around £500?

Kavanne

You mention college course so I will take time to mention that if you don't have an income it will be hard to get a 0% card, or indeed any card.

Budweiser_072000

i see, well i work part time and i would qualify for £30 ALG (adult learning grant) ive worked out i cud afford it because i am selling my laptop and other computer to put towards it, im gonna get an Apple iMac for my course as it involves using Logic Studio Pro....plus they only use Apple computers at the college:D

Belnahua

Check out student offers, as they can get you a good discount on software and hardware if you play your cards right!

PS I hope you don't spell like that in real life, otherwise you won't get far on the course! ;-)

Kavanne

Budweiser_072000 wrote: »

i see, well i work part time and i would qualify for £30 ALG (adult learning grant) ive worked out i cud afford it because i am selling my laptop and other computer to put towards it, im gonna get an Apple iMac for my course as it involves using Logic Studio Pro....plus they only use Apple computers at the college:D

You might think you can afford it, but what you think and what the bank thinks are 2 very different things. Also, what credit have you had before?

Budweiser_072000

lol sorry forgot to switch that light on, quite hard to see the keyboard when its black

Budweiser_072000

no credit before only 19.....aiming high i know, cant afford it any other way

YorkshireBoy

What about parents or a family member getting the card and you repaying them?

Assuming such a PC is a 'need' and not a 'want' of course?