Credit card question by Philip Cottrell-Spain

philipcottrell

Good morning all. I am relatively new to this site but have found it to be a wealth of useful information. I am looking for a new credit card provider and have so much choice that I am almost overwhelmed. I don't want to transfer a balance, just want a standard reasonable apr card to use for everyday use. Can anyone save me from trawling through hundreds of providers. Your experiences with your card providers would greatly help me. Thank you in advance!

[Deleted User]

Do you reside in Spain?

Voyager2002

Every-day use does not involve borrowing, so the APR should be completely irrelevant.

philipcottrell

Thanks for responding. No I reside in the UK, York!

[Deleted User]

If you intend to pay in full each month, then a rewards card of some description (cashback, Nectar points, airmiles etc) would seem appropriate.

However, acceptance for these cards often require a better credit history than average.

philipcottrell

OK thanks everyone. I have a good credit history so I will investigate this route. Thanks again for your help!

Aquamania

philipcottrell wrote: »

Good morning all. I am relatively new to this site but have found it to be a wealth of useful information. I am looking for a new credit card provider and have so much choice that I am almost overwhelmed. I don't want to transfer a balance, just want a standard reasonable apr card to use for everyday use. Can anyone save me from trawling through hundreds of providers. Your experiences with your card providers would greatly help me. Thank you in advance!

If you want a reasonable APR, then it sounds like you are not planning on paying off in full every month. I would suggest you concentrate on a Low APR card rather than rewards

There are some short term offers e.g. 0% for up to 20 months
http://www.moneysavingexpert.com/credit-cards/best-0-credit-cards#halifax

but if you want a long term deal, look at these options
http://www.moneysavingexpert.com/credit-cards/best-0-credit-cards#Lloyds
(note that rates are variable, but they will not go up for at least 1 year, and if they try to put them up after that, as long as you don't borrow any more, you can reject any rate rise and continue to pay off as per the agreement)