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Best 0% credit card - no debts and have number of CC already
innis
Posts: 10 Forumite
in Credit cards
Hi guys,
I was hoping someone will be able to advise me on what is the best option.
I am planning a potentially large purchase in the next 7 days. It will probably be just a bit larger than the single CC limit I would get (thought that's not a problem, I could partially pay cash or split on two cards). The question is - what would be the best option if I would like to put it on CC's?
I think I have been quite good with my finances so far - no debt, I use various cc's with cashback (Santander and Tesco) and avios (BA AmEx and LLoyds Avios), paying them 100% off every month.
Now this seems to backfire as most of the good 0% interest CC that would also give avios or cashback I already have so can't apply for a new one. Do I need to close them, would that help?
What do you people think would be the best option for me?
I would appreciate any sugestions.
Thank you!
I was hoping someone will be able to advise me on what is the best option.
I am planning a potentially large purchase in the next 7 days. It will probably be just a bit larger than the single CC limit I would get (thought that's not a problem, I could partially pay cash or split on two cards). The question is - what would be the best option if I would like to put it on CC's?
I think I have been quite good with my finances so far - no debt, I use various cc's with cashback (Santander and Tesco) and avios (BA AmEx and LLoyds Avios), paying them 100% off every month.
Now this seems to backfire as most of the good 0% interest CC that would also give avios or cashback I already have so can't apply for a new one. Do I need to close them, would that help?
What do you people think would be the best option for me?
I would appreciate any sugestions.
Thank you!
0
Comments
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Seven days to apply, be accepted, receive your card and receive your PIN is pushing it a bit.Are you for real? - Glass Half Empty??
:coffee:0 -
I might be able to renegotiate the timing of the purchase. Most importantly I want to be sure I find the best option.0
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You're unlikely to find a card that offers a decent 0% purchases time as well as cashback/points. A quick search on this website or google returns a number of results, BarclayCard Platinum, most banks offer decent 0% purchases cards.Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.
ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.0
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