First Credit card - help please

Littlebirdie

grumbler wrote: »

I have already said this, but want to reiterate: you need a card with 0% on purchases, not just "0%" credit card".

I didnt realise there was a diffeence. Would I find this out by reading the terms and conditions? Thanks for saying again

grumbler

T&C normally cover general usage, not introductory offers.
For the latter it has to be some advert with a separate small print.

Littlebirdie

Ok well I think I'll give them a call to double check.

I found the credit card using this link: http://www.moneysavingexpert.com/credit-cards/best-0-credit-cards

grumbler

No need to call.
In the link its "0% purchase cards" or "0% on spending" (as opposed to 0% on balance transfers).

IMHO, typically for MSE, the title "Best 0% Credit Cards" is confusing, although the subtitle clarifies it a little: "27 mths' interest-free spending". It used to be much more clear - "Best Spending 0% Cards" - as opposed to another article - "Best Balance Transfer Cards".

Littlebirdie

grumbler wrote: »

No need to call.
In the link its "0% purchase cards" or "0% on spending" (as opposed to 0% on balance transfers).

IMHO, typically for MSE, the title "Best 0% Credit Cards" is confusing, although the subtitle clarifies it a little: "27 mths' interest-free spending". It used to be much more clear - "Best Spending 0% Cards" - as opposed to another article - "Best Balance Transfer Cards".

You are really helpful
This is the card I have got for and as it had purchase in the name I am assming it is the right one!

https://www.americanexpress.com/uk/content/platinum-cashback-everyday-purchases-credit-card/?source&BUID=CCG&PSKU=D7X&CRTV=Affiliates_PCB021_MSE_SmartSearch_Desktop_2016&AFFID=59126&sourcecode=X60173PL01&cpid=100205354&VEID=2979_1459712815_5facd3a73d5f7ac93610586cf6e99901&awc=2979_1459712815_5facd3a73d5f7ac93610586cf6e99901

20aday

Littlebirdie wrote: »

You are really helpful
This is the card I have got for and as it had purchase in the name I am assming it is the right one!

https://www.americanexpress.com/uk/content/platinum-cashback-everyday-purchases-credit-card/?source&BUID=CCG&PSKU=D7X&CRTV=Affiliates_PCB021_MSE_SmartSearch_Desktop_2016&AFFID=59126&sourcecode=X60173PL01&cpid=100205354&VEID=2979_1459712815_5facd3a73d5f7ac93610586cf6e99901&awc=2979_1459712815_5facd3a73d5f7ac93610586cf6e99901

Yes, that counts on 0% on Purchases (subject to a few exclusions such as Cash Advances/Gambling etc).

Just be sure to make at least the minimum monthly payment on time (and keep to the terms of the account i.e. don't go over limit) otherwise you'd lose the introductory rate.

In regards to the minimum repayment of £25 Tesco Bank also do the same.