What Current Account, Savings Account and Credit Cards!!!

no1property

Hi all,

new to this forum, a friend recommended the site and have found it really helpful.

Afetr reading some of the guides i decided i needed to re organise my finances. At present all i have is a current account with HSBC and an Instant Savings Account with HSBC. What i am looking to set up is shown below:

x1 Current Account - All Bills etc
x1 Savings Account - Longterm Saving
x1 Savings Account - Instant Savings Birthdays, Christmas etc
x1 ISA - Dont know much about ISA's but been told i need one!?
x1 Credit Card - Used for 12 months interest free

Now im no money expert! Is this the right way for me to organise my finances?

If it is can anybody give me some advice as to what are the best deals for the above, so far the best deals i have found are:

Current Account - Halifax / Natwest / Alliance & Leicester
Savings Account - Halifax / Alliance & Leicester
ISA - Unsure
Credit Card - Halifax / Egg / Capital One

Please help looking to change all within the next few weeks as my finances are all over the place. I have no Loans and have about 3k in a savings account at present.

I look forward to your replies

Cheers
Craig