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Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

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Original poster

Credit card - which one?

9 replies

wastingmyeducation · 26/05/2009 19:54

I need to get a credit card asap, does anyone have a recommendation?

OP posts:

Mousey84 · 27/05/2009 16:33

Depends what you want it for really.

Balance transfer? For when going abroad? Normal spending? Will you pay it off every month in full?

nametaken · 27/05/2009 16:35

if you look on moneysavingexpert.com they have got all the latest card rates listed.

pollykettlechips · 27/05/2009 17:15

If it's a balance transfer - Virgin are offering 16 months interest free. JUst about to apply for this myself, and minimum payment is low so will help us out for a while.

scienceteacher · 27/05/2009 17:35

I second the Virgin card.

We don't use credit cards, but I had a bit of an uneasy feeling about booking our holiday flights this year, so got a Virgin card for the insurance (not that BA is going to go under).

It was pretty easy to open the account - just filled in the form online and the card appeared a couple of weeks later, with some reassuring emails in between. They have full web access to the account, which I like.

Original poster

wastingmyeducation · 27/05/2009 21:18

I need instant cash, just a small amount that will be paid off in the next couple months.
Then I'll get us a good card when our credit rating is better.
I've been on moneysavingexpert too.

OP posts:

Original poster

wastingmyeducation · 27/05/2009 21:20

That wasn't very clear!

I've been on moneysavingexpert, but have to consult MN too!

OP posts:

Mousey84 · 27/05/2009 21:39

Did you see this page on MSE?

Original poster

wastingmyeducation · 27/05/2009 21:51

It says loans aren't available under £1000 Mousey, and I only need £200. No credit union round here either.

OP posts:

Mousey84 · 27/05/2009 23:11

Ah, that isnt much. Dont think banks lend that little (ok, I know its not really a little...but in grand scheme!). I didnt wanna ask too much in case you thought I was being nosey.

Can you get an overdraft on your bank account?

If not, and you are, A+L have a great account with 0% overdraft for a year if you apply online. If you apply by 28th you can get £100 cashback (few terms and conditions) within 4 months. Also, you can go through quidco and get an extra £50 cashback.

Thats 3/4 of your £200 but it will take 4 months or so to get the money.

See about a third of the way down this page

I have this account and love it (use it to pay all bills from, and its seperate to normal spending account)

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