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Finished with Credit Cards - What is best to do
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Btw, you can ring them up and tell them you want to close your CC unless they want to offer you some new perks. For example, Halifax offered me 6 months 0% on purchases if I keep my card open. Not the best deal ever, but at least they offered something.
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Check the cards you currently have to see if they have any good 0% transfer deals.
MBNA always seem to have some going for me, Barclaycard hasn't for several years. If I want to make a large purchase I might use the Barclaycard or another that gives me cashback and then pay it off with a 0% BT from MBNA (small fee) to give me time to pay things off over a few months/years. That might save you having to apply for a new card in the future.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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I'd keep one each of the 'best' Visa and Mastercard CCs and ditch the rest. Whether 'best' means highest credit limit or lowest interest rates is up to you.#2 Saving for Christmas 2024 - £1 a day challenge. £325 of £3660
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