What Card Shall i use now please

peardrop21

Hi i have 3 credit cards,

an abbey platinum with £500 odd pound on ,no interest free period left

a marbles with £75 paying interest on this too

A littlewoods one with nothing on

What card could i apply for which dosent direct debit the money from your account but sends out invoices like the cards above do.I like to be able to pay when i like (ontime of course)but have more control than them just taking it.

Then is it best if im close a couple of my others ,like the littlewoods and marbles??

i dont use them alot ,the 500 is an unexpected vet bill that was £800 +:o

peardrop21

I forgot to add that i need a new washing machine which will have to go on a card but will be paid off quickly

The_Boss

Are you currently employed and lived at your address for a while?

I'd say you should apply for a card with 0% on purchases and if possible balance transfers. Then you can buy the machine on the interest free and transfer some over from the Abbey card. For this reason, do not apply for an MBNA issued card.

I'd personally cancel the Littlewoods card after your next application, because I'm assuming its got a higher rate of interest than the others.

peardrop21

thankyou THE BOSS

yes im employed ,i was part time but started full time on monday this week and lived at my current address over 8 years

What companies are doing the best offers at the moment that i could apply for ?

The_Boss

NatWest are doing 0% on purchaes and transfers for 9 months so that would be a good place to start.

The fee would be capped to £49, as opposed to say Halifax which has the same term but a 3% uncapped transfer fee.

Moggles_2

Last month, I applied for the Post Office card which offers 0% on purchases and balance transfers with no handling fees.

I like to be able to pay when i like (ontime of course) but have more control than them just taking it.

You can settle your bill at any post office.

The_Boss

There you go - the Post Office sounds good, so you've definitely got a few options.