What credit card is the best to apply for...

stingray_316

What is the best credit card going at the moment for interest free , low apr, balance transfers etc.
Also is there or has there ever been a credit card that does a interest free period on cash withdrawels.

YorkshireBoy

stingray_316 wrote: »

What is the best credit card going at the moment for interest free , low apr, balance transfers etc.

You need to be more specific. What do you want the card for?

Also is there or has there ever been a credit card that does a interest free period on cash withdrawels.

You asked this question, and got some replies, last week. Had you forgotten?...

http://forums.moneysavingexpert.com/showthread.html?t=1816087

stingray_316

YorkshireBoy wrote: »

You need to be more specific. What do you want the card for?You asked this question, and got some replies, last week. Had you forgotten?...

http://forums.moneysavingexpert.com/showthread.html?t=1816087

:embarasse opps so l did . l have wrote a few items on here over the last week l cannot remember putting that down.
Anyway yorkshireBoy l would like to know the best credit card to apply for mainly for item purchase that might have a offer on that does interest free for the longest period and low apr rates.

CannyJock

Do you mean interest free on purchases?

List of 0% purchase cards on the stoozing site: http://www.stoozing.com/purchases.php

stingray_316

CannyJock wrote: »

Do you mean interest free on purchases?

List of 0% purchase cards on the stoozing site: http://www.stoozing.com/purchases.php

yes for purchases and a low APR rate.... Thanks

stingray_316

just had a look at the stoozing list and cannot see Lloyds TSB on the list or do they come under a other name now, and l would also like a peoples opinion on which credit card they think are the best for them so l can read up on them and judge myself which one would be best for me.. Thanks

CannyJock

If you want a Lloyds card, why not check their website? http://www.lloydstsb.com/credit_cards.asp

Lloyds don't do a 0% on purchases card, that's why they're not on the list.

Asking which cards are best for people so you can read up on them will give you 100 different answers. It's pretty much a pointless exercise without a bit more information tbh.

If you're able to clear your card in full each month, then a reward card or a cashback card is your best bet. Read Martin's articles on each.

david_hellier

Sorry to be a party pooper, but none of them are. They simply reduce your purchasing power by charging interest which you could have used to buy more stuff.

CannyJock

You don't think something for nothing is better than nothing? I'm sitting with £ 200 cashback pending on my Egg Money card, that's a few beers for any party

EDIT: You don't pay interest if you clear the balance in full.

EDIT EDIT: And if you want to get really clever, then you use a 0% purchase card where you earn interest on your own money, giving you more money at the end than you started with which surely increases your purchasing power?

NickX

david_hellier wrote: »

Sorry to be a party pooper, but none of them are. They simply reduce your purchasing power by charging interest which you could have used to buy more stuff.

Your not keen on Credit Cards are you ?

Trick is to make sure you pay no interest and earn interest yourself using the funds supplied by the Card Provider. Thereby you increase your purchasing power. Its just a case of making sure you know how to play the game

david_hellier

I use a Tesco card, purely for the points and I do quite well out of them. However, like that Barclays chairman once said, I too would not recommend my children use them.