Why am I offered 9.9% apr on a 6.9% sainsburys credit card?

khampson

stephane wrote: »

Yep....it prove everything!! Your financial acuteness amazes me....!

First I do not need your sarcastic comments......

The best debt to have is not at all then it 0% apr, 0% balance transfer fee 0% minimum payment and so on. When it comes to debt I only have my mortgage so yes my finacial acuteness will amaze you because if I dont have the money I dont have the goods. This is why when it comes to credit cards and loans I dont have the need to know just like I have no knowledge how to fly a plane and so far thats not affected my life either. I dont need to credit card chop and change just to keep payments low. I dont go spending money I dont have only to regret it later. Im not rich and I'm no better than anyone else.

I just like you come here for help and advice or to help others and thats it.

You-kip

I find it hilarious how everyone else get 0% yet you're happy paying 7.9% you really haven't thought this out have ya.

khampson

You-kip wrote: »

I find it hilarious how everyone else get 0% yet you're happy paying 7.9% you really haven't thought this out have ya.

Maybe not quite. But I dont have anything to put on a credit card right now but when I do maybe I will put it on the 7.9% and transfer it to another credit card with 0% but I normally clear the card monthly anyway unless something pops up and cant.

There are right and wrong ways to talk to people and being sarcastic is not one of them. If some 1 says why dont you take a look at so and so it might suit you then thats fine. By the way this is not aimed at you I am just putting my point across because as you can see I'm far from perfect

You-kip

khampson wrote: »

Maybe not quite. But I dont have anything to put on a credit card right now but when I do maybe I will put it on the 7.9% and transfer it to another credit card with 0% but I normally clear the card monthly anyway unless something pops up and cant.

There are right and wrong ways to talk to people and being sarcastic is not one of them. If some 1 says why dont you take a look at so and so it might suit you then thats fine. By the way this is not aimed at you I am just putting my point across because as you can see I'm far from perfect

I ain't having a Pop but I'm sure if you've been accepted for the simplicity from BC then chucking in another application for a 0% on purchases might not do you any harm as all searches will more or less be deleted in the same month then.

khampson

You-kip wrote: »

I ain't having a Pop but I'm sure if you've been accepted for the simplicity from BC then chucking in another application for a 0% on purchases might not do you any harm as all searches will more or less be deleted in the same month then.

Thanks. My next question what is the best 0% credit card?

Keith

You-kip

khampson wrote: »

Thanks. My next question what is the best 0% credit card?

Keith

I would do a Nationwide soft search that will give you a quote APR based your credit file and if it comes back with 2k plus credit limit then 90% of the time you'll be accepted.

This is 0% I believe for 23 months.

khampson

Is it better to go for 0% on balance transfers or 0% on new spending as I dont have a transfer to do as yet?

Keith

You-kip

khampson wrote: »

Is it better to go for 0% on balance transfers or 0% on new spending as I dont have a transfer to do as yet?

Keith

0% spending I would say.