General Forum - BEST Credit Card ? ? - Page 1

Egg Card 0% 1st Feb 2006 for balance transfers. 1st Nov 2005 for purchases. 2% balance transfer fee (max £50) for new customers. 14.9% APR

Virgin Money 0% 9 months for balance transfers 15.9% APR

Morgan Stanley (Gold Card) 0% 6 months for balance transfers and purchases 15.9% APR

Hope this helps - I'm a credit tart and I don't care who knows it.

Sky Credit Card 0% 9 months for balance transfers.

Egg Card for the annual Anniversary 5 months 0% on balance transfers.

A credit card tart & proud of it.



I quite like the Helpdesk people in a benevolent (as opposed to malevolent) way as they do some valuable work in preventing us being inundated by every halfwit who can work a phone.

Morgan Stanley also do a cashback card which I think is 2% for first 6 months or year then back to 1%.
Also they do a air miles one 1 mile for every £10 you spend I think, when I signed up I got 1000 miles free they might still be doing that as well.

I have a Capital One credit card which gives me an extremely low interest rate on the life of balance transfers.
Of far more use,in my opinion,than 0% over a relatively short time.

This item was edited on Friday, 13th May 2005, 10:51

Egg card are very good and you can do loads on the internet so dont have the hassle of going to the bank or waiting for statements. They also have some pretty good offers around the 0% balance transfers and 0% for 6 months on purchases.

Dont go with capital one though. They are crap and not very helpful.

Guess that depends what you want to use it for. I generally pay mine off every month so I'm not too bothered about interest rates. I've only applied for one of these 0% cards now because I am getting married at the end of the month and have put a shed load of stuff on the Mastercard. I don't want to pay for it all in one go (although I could if absolutely necessary), so I applied for a Virgin card. They got back to me wanting to know my life history and three months worth of bank statements because I apparently don't have much of a credit history (well obviously, as I don't like buying things on credit). I thought sod them, so I applied for Egg online and they gave me a card with a 10K limit right there and then... Odd. Pity about the 2% fee for balance transfers though.

This item was edited on Friday, 13th May 2005, 11:39

Quote:
Dont go with capital one though. They are crap and not very helpful.

Funnily enough I've always found them to be very good,and prefer the longer lasting low rate to flash-in-the-pan 0% offers.

Still,seeing as you're obviously passing your statement off as fact,I must be wrong eh ?

Sigh....

I went down the same route as bowfer, with capital one. Mainly because im lazy and knew that I would never be arsed to juggle my balances around, so i settled for the lowest overall rate, rather than the best introductory offer.

And I actually found them almost too willing to give me a card. It made me wonder what the crack was...

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I Dont know Karate...but I know Ker-azy!
What im listening to (if youre interested)

I have Capital One No Hassle Plantinum also, 6.9% i think, i find them very good,




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