Best 0% credit cards

[emerald226]

Renovating my house any one know if any good credit cards

I would just go to Money saving expert and do their eligibility checker and see what comes up.

I recently got a 0% purchase card with Virgin Money with a ridiculous limit

I have just applied for virgin ridiculous as in very high or very low ?

Probably ridiculously high.

I've got a residual stooze pot (borrow the money at 0% with no fee and put it in a savings account to earn interest, it's not really worth doing any more but having said that it might be now interest rates have risen) that's currently with Virgin and I think the card limit is £15k and I'm not a high earner.

Yes, try MSE, for house renovations you probably want to start a 0% purchase card and if you still have a balance when the offer ends, transfer it to a 0% balance transfer offer. If you don't overstretch yourself and keep up payments (pay £1 above the minimum as you then won't get a minimum payments marker on your credit file) there's no reason why you can't repeatedly transfer the balance, unless they stop doing the deals of course. But I've been doing it for about 15 years and never paid a penny in interest and usually no fees either as I only do it to make money.

Or if you are looking for money you can use to pay tradespeople, then you want one that has a money transfer option but I think these are harder to get on a good 0% deal.

Depending on the amount you need it might be better to get a low rate personal loan if you can get one. I borrowed £10k over 3 years for money towards a house extension and it only cost around £500 in interest.

It depends if you are looking for 0% purchases or balances transfers. If purchases check to see if it's purchases in the first 3 months then interest free for the next 2 years or if it's all purchases in the first two years that are interest free until the end of the two year period.

There is a ClearScore app which gives you your credit score but also gives you a list of cards and your likelihood of being accepted.

@BarbaraofSeville Minimum payment marker ? I never knew that.