Is there a difference in cards?

wenglish_boy

Hi, we are moving soon and need to get some big essentials i.e. Sofas, Dining table etc. think we need about £1500 credit but not sure which one. There seem to be different types of cards. Whats the best type to go out and buy a load of stuff on pretty much one go and then cut up so we can just pay it off monthly. Looks a better option that a store card. Thanks for any ones help

Innocent_Guy

wenglish_boy wrote: »

Hi, we are moving soon and need to get some big essentials i.e. Sofas, Dining table etc. think we need about £1500 credit but not sure which one. There seem to be different types of cards. Whats the best type to go out and buy a load of stuff on pretty much one go and then cut up so we can just pay it off monthly. Looks a better option that a store card. Thanks for any ones help

Get yourself a 0% CC - Try Virgin or Halifax

dhassen

Innocent_Guy wrote: »

Get yourself a 0% CC - Try Virgin or Halifax

The OP should go for a 0 % card, but pay more attention to 0% for purchases - lots of people are interested in 0% balance transfers, which you don't want here when your actually buying stuff with the card.

Have you ever had a credit card before?

And yes, credit cards are likely to be a better idea than store cards.

exel1966

wenglish_boy wrote: »

Hi, we are moving soon and need to get some big essentials i.e. Sofas, Dining table etc. think we need about £1500 credit but not sure which one. There seem to be different types of cards. Whats the best type to go out and buy a load of stuff on pretty much one go and then cut up so we can just pay it off monthly. Looks a better option that a store card. Thanks for any ones help

There are literally hundreds of differrent cards out there, though which ones are obtainable by you will all depend on your past and current credit record.

Obviously a card offering a 0% introductory period for purchases would be beneficial and one that offers cashback as well if possible.

It's impossible to reccommend any card/company based on the limited info you've provided.

Paul_Herring

If you're wanting to spread the cost over a period of time, look for a long 0% on purchases card.

If you can afford to pay for it (almost) immediately, you may be better off looking for a high rate cashback card (are Amex still doing 5% on the first three months?)