Which Credit Card?

Phyzelda

I'm after getting a credit card to pay for a holiday, as it has to be paid up front. And will be paying it off over 6months, but don't want to have to pay interest on it, but want the protection from the credit card due to having to pay in full for the holiday.

Which Card would be best?

Thanks in advance :beer:

YorkshireBoy

Phyzelda wrote: »

Which Card would be best?

One with more than 6 months 0% on purchases...

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

Cheeky_Minx

I kinda feel that you should be thinking more along the lines of NOT taking out a credit card, and NOT taking a holiday if you cannot really afford it..... Sorry if you don't like that response, but you are just putting yourself into debt by doing this...

Why not save for six months and THEN book the holiday. No credit. No debt. No hassles!!!

Phyzelda

Thanks for the repsonse, all changed no need for credit card afterall

NickX

Cheeky_Minx wrote: »

Why not save for six months and THEN book the holiday. No credit. No debt. No hassles!!!

If no interest is being charged I don't see any problem with buying the holiday now and benefiting from a 0% promotion.

Besides I would still pay for part of the holiday on a Credit Card to benefit from Section 75 protection on the entire purchase.

Cheeky_Minx

Phyzelda wrote: »

Thanks for the repsonse, all changed no need for credit card afterall

So no stress for you after all!! :T

Infidel

YorkshireBoy wrote: »

One with more than 6 months 0% on purchases...

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

Damned! How do you decide which ones to apply for.

Is it true that if you apply for several, then it will impact negatively on your credit rating?

Palmer_3

Infidel wrote: »

Damned! How do you decide which ones to apply for.

Is it true that if you apply for several, then it will impact negatively on your credit rating?

Hi, really if one apply for several then it will surely impact a negative effect on credit ratings.

NickX

Infidel wrote: »

Is it true that if you apply for several, then it will impact negatively on your credit rating?

Well if you apply for 10 then that may be problematic.

I have applied for 3 at once in the past and not noticed any negative problems.

Infidel

Yeah, because if you need a credit car pretty soon, then it that respect it makes sense that you should apply for several, as some can take (much) longer than others.

One more thing; Say you have a Halifax card and want to balance transfer to another, is it possible to transfer to RBS (as i think they are one and the same aren't they?).

NickX

Infidel wrote: »

One more thing; Say you have a Halifax card and want to balance transfer to another, is it possible to transfer to RBS (as i think they are one and the same aren't they?).

No Halifax is part of HBOS (Halifax Bank of Scotland), soon to be part of Lloyds TSB.

RBS is Royal Bank Of Scotland, a completely separate animal.

So transfers are fine, No problemo :beer: