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Halifax CC where 2 next

I have a Halifax cash back credit card. APR I believe is 29.9% limit is 800. I always pay off the balance in full every month. I've had the card since May 2009.

I just wondering whether I should be looking for a different card with lower apr and bigger credit limit.

Anyone with any suggestion?

Thanks

R

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    I would try the Creation Credit Card from Sygma and they have 0% on balance transfer for 15 months. They only check Equifax so if your report is ok with them you have some very good chances. Limit tend to be around £2000....good luck and let us know
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    riderross wrote: »
    I have a Halifax cash back credit card. APR I believe is 29.9% limit is 800. I always pay off the balance in full every month. I've had the card since May 2009.

    I just wondering whether I should be looking for a different card with lower apr and bigger credit limit.

    Anyone with any suggestion?

    Thanks

    R
    If you always pay the balance in full, why does the APR matter?

    Perhaps asking them for a bigger credit limit would be a good starting point.

    If not, look at the cashback link on this site.
  • riderross
    riderross Posts: 168 Forumite
    opinions4u wrote: »
    If you always pay the balance in full, why does the APR matter?

    Perhaps asking them for a bigger credit limit would be a good starting point.

    If not, look at the cashback link on this site.

    Thanks, did it online took literally 2 seconds!! it asked me what id like the new limit to be.

    800 to 1500.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    Are you sure the APR is 29.9%? Halifax don't offer cards this high unless they rate jacked you at some point in the past?
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • riderross
    riderross Posts: 168 Forumite
    izools wrote: »
    Are you sure the APR is 29.9%? Halifax don't offer cards this high unless they rate jacked you at some point in the past?

    I'm not too sure. I just assumed. It's the first credit card I've ever had.

    How do I check?

    Thanks

    R
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    what does it say the monthly rate is on the statement?
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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