Next Step After Marbles 15 July 2018 at 6:46PM in Credit Cards 2 replies 538 views

davedelaney

Dear MSE experts,

I'd just like some advice on the next sensible step forward.

Current situation:
- Marbles card obtained about 14 months ago. Original limit of £400 => £1,200 => £2,400 => £4,000. I currently average ~£500 on each statement, paid in full before the due date. I have never accrued a penny in interest at any time.
- Recently on the electoral roll (past month)
- Experian score of 871, although this hasn't changed in 3 months

Ideally I'd like to get a 0% interest card that allowed me to spread sensible purchases out over 3-6 months without paying interest. The credit limit is sufficient on the Marbles card but the rate is staggering (45%).

Please let me know what your opinions are on what I should look for, or if I should wait a little longer before taking any action.

Thanks for any advice.

cjv

Run an eligibility checker for a 0% purchase card and see what results come back, take it from there.

https://www.moneysavingexpert.com/eligibility/credit-cards/

planteria

unless you really need to i would rethink the idea of a 0% on Purchases card and instead look at Cashback/Points on Purchases card. that way you can benefit from Cashback/Points while continuing to manage your finances prudently, avoiding any interest, and avoiding any risk of building up a balance which you can't clear when required.