What should i do with my cards?

Mr_Goodkat

SamGR wrote: »

Stay with Barclaycard, by far the best credit card provider. Call them up and see what they can offer you. They normally have excellent deals.

Sam

How are Barclaycard by far the best credit card provider?


I would say there are far better providers in terms of offers, perks and service.

Mr_Goodkat

To the OP I would say there is no need to cancel any of the three cards as three credit cards plus your overall exposure to credit (depending on salary) does not seem excessively high.


Having a number of cards can be beneficial as there will often be existing customer offers for example Halifax seem to have a permanent balance transfer offer for me when I log onto my online banking with them.


I would maybe see if you can upgrade either the Barclaycard or the Halifax card for something more rewarding but would not cancel any of them outright at this stage.

webcat86

Mr_Goodkat wrote: »

To the OP I would say there is no need to cancel any of the three cards as three credit cards plus your overall exposure to credit (depending on salary) does not seem excessively high.


Having a number of cards can be beneficial as there will often be existing customer offers for example Halifax seem to have a permanent balance transfer offer for me when I log onto my online banking with them.


I would maybe see if you can upgrade either the Barclaycard or the Halifax card for something more rewarding but would not cancel any of them outright at this stage.

OK thanks. I thought three may be pushing it as I also have a couple other lines of credit - interest free payment plans, one being a couch. Not sure if that makes a difference.

SamGR

Mr_Goodkat wrote: »

How are Barclaycard by far the best credit card provider?


I would say there are far better providers in terms of offers, perks and service.

Yes but from the information the OP has given, Barclaycard seem to offer the best deals at that sort of spending. if op is spending higher then of course i would suggest other providers.

webcat86

SamGR wrote: »

Yes but from the information the OP has given, Barclaycard seem to offer the best deals at that sort of spending. if op is spending higher then of course i would suggest other providers.

What sort of things do they offer that others don't? And do you think I should close the other two and just keep the Barclaycard? If I swap it, will it continue as being open for years?