0% on purchaces, what to do

tweetyshells

OK i am going to need to stick a few things on a cc over the next 2 or so months but i really dont want to be paying interest on it as it is gonna be hard enough to pay off as it is.
So my question...

I currently have a egg cc but the 0% ran out ages ago, i also have a lloyds tsb duo card with no 0%.

Now what is my best bet, i dont really want a 3rd card, and not sure i would be granted it anyway? If i phone up egg do you think they would let me have the 0% back on for a few months or will they just laugh?
If not who is the best people to apply to for a 0%?


ETA i have no balance to transfer

tweetyshells

Anyone able to help?

Karl.H_2

I don't think Egg will increase the 0%, but you can try. Depends on your credit rating whether or not to apply for another card. Your best bet is to apply for a card with 10-12 months 0% on purchases, as that gives you lots of time to pay off the card. How much do you plan to put onto the card?

tweetyshells

A few hundred, as little as poss but we are moving home so it will just be a stop gap for urgent stuff.

Karl.H_2

Take a look at this site: http://www.moneysupermarket.com/cards/credit_card.asp , select '0% purchase' and then have a look at the cards on offer. Before you apply make sure you find out what kind of a credit history you need to be accepted for the card.

tweetyshells

I've no idea what my credit history is but i have never been declined credit and all cards have been paid before interest has gone on.

Thanks for the link, i will have a look.

Karl.H_2

It's difficult when credit card companies don't tell you what's 'Good' and what's 'Excellent' credit score. However, it might be worth looking at Capital One's criteria, it might give you a rough in-sight.
http://www.capitalone.co.uk/images/vision/card/card_lus_pop_02.jpg

tweetyshells

hmm well going on that i am in "good" credit. Not excellent as i only work part time so don't earn the earth. But then i don't want a huge limit either.