Looking for a good LOB card..

ferry

Getting to end of my tether having to look for 0% cards,BT's,risking rejection with each application etc so am now looking for a good LOB card that I can keep long term.
I was looking through some threads earlier and spotted the M&S deal..4.9%LOB.(I assume this rate applies to LOB on BT's done in a certain period and not purchases??)
My worry is that just when I settle in they'll send a 'polite' email stating that the rate will hike to 16.9%....
How do you all feel about this or is there no real danger of this?

Also where could I find out more on this card deal..?

Cheers!
T.

YorkshireBoy

ferry wrote: »

...spotted the M&S deal..4.9%LOB.(I assume this rate applies to LOB on BT's done in a certain period and not purchases??)

The "certain period of time" is the first 6 months. Purchases are 0% for around 10 months but you shouldn't make any unless you are sure you can clear the BT balance within the same timescale.

My worry is that just when I settle in they'll send a 'polite' email stating that the rate will hike to 16.9%....
How do you all feel about this or is there no real danger of this?

Since the offer is for the life of the balance, you'd normally have to break the T&C's to lose it (and it's 17.9% APR typical now).

Also where could I find out more on this card deal..?

http://www6.marksandspencer.com/pages/default.asp?PageId=home&Product=CC&WT.mc_id=MASM_CCardRetailWeb01

ferry

Thanks YB.
Will look in this.