Next Step After Marbles
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davedelaney
Posts: 16 Forumite
in Credit cards
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.
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.
0
Comments
-
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/0 -
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.0
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