0 Credit Cards Uk Information

0 Credit Cards Uk Facts

Top Questions and Answers

What are good 0% credit cards in the UK? I have a bunch of credit cards already, but have good credit.? I'd like to transfer my balace from my high-interest credit cards to a zero interest one so I can get some breathing room while I pay back my debts. Is it worth it to get 0% credit cards? Which are the best ones?

David C replied: "Check out : Hope this helps."

Nutty Girl replied: "of course it is good if you did it every time the offer ran out and switched to a new one look at the interest u are saving. go to any one stay for the 6 months offer they normally have and then switch to a new one. *** small print o% is for your balance transfer not future spends on the new card."

Anne P replied: "Offers for 0% credit cards in the UK change frequently, so it's tough to give a permanent answer (check out the site listed below for current cards). For your current situation, though, the 4 of the best ones right now are MBNA Platinum Plus, Virgin Credit Card, Barclaycard Platinum and the Morgan Stanley. Other good 0% credit cards are the similar Barclaycard Charity Card and the MBNA Platinum Rewards. Note that the Nectar Credit Card and American Express RED have low introductory rates (although not 0%). All of these credit cards offer low rates only for a specific period of time (usually 6 months to a year), and after that, the rates go back up till normal. Still, if you are looking for a short term solution, 0% credit cards can be a great tool. Good luck with your finances!"

Mikey Mo replied: "lloydstsb 0% 9 months i will sell u one, hahaha... try moneymarket.com to compare the products out on the market"

David D replied: "There may be something of use here."

Can you advise on 0% credit card transfers please? Friend took out a Barclay Oyster credit card when she was working. It had six months 0% interest free on purchases. The time is almost up and she wants to transfer it to Abbey or Tesco or some other (UK) 0% credit card and start paying off the debt. However, she's not working at the moment though has a very tiny regular income coming in - about 200 a month. Would anyone accept transfer on this basis? (she's about to start work again soon.) Advice much appreciated.

Jack replied: "MBNA or EGG crd are the best for that i have both:)"

Gh0st replied: "have a look at its invaluable. I would advise....lie?? if she intends to pay the debt, who is she hurting. If she dosnt manage to and has to shift the debt again..she will only be joining countless others, i dont think it matters too much. There are 12 month offers around also. Virgin is one of the top so worth while checking it out. When she transfers, she SHOULD NOT USE THE CARD. Better to apply for a new one somewhere and use that. The fees from sdpending on a balance transferd CC are ...they sting! Goodluck"

dick19532003 replied: "obviously if she doesn't have an income or a very low income it is doubtful if any other credit card company would issue her with a credit card and take on the transfer, especially in these "credit crunch" times. the other problem is that there is usually a transfer fee of a % for the transfer so you have to work out whether it is worth transferring the debt anyway. if your friend is finding it difficult to pay off the debt they should write to Barclay's and explain the circumstances and offer a lower payment, quiet often they will accept this. sorry in my opinion its not better news but I'm sure you would rather the truth so at least your friend knows where they stand."

where is the best place to find a uk credit card? I want to get a 0% credit card. Where can I get info on the best one?

FLOYD replied: "hahahahaha i'll tell the jokes in here"

little weed replied: "Search the internet you should find the best ones there."

geegee replied: "No credit card will give you 0% indefinately - the only way to do that is to pay off you total card each month. Try the following credit card comparison site:"

pixie replied: "any pre pay credit card"

nomad replied: "In UK. Zero percent joke."

themelon replied: "most now charge a fee for transferring balances 2% or so. motleyfool is the best website to investigate"

Jackie replied: "Best place to look is Martin Lewis's website 'money saving tips'. Just google Martin Lewis. You will find the best deal there on everthing to do with credit, loans, utilities etc. Superb site. moneysavingexpert.com"

MsCymru replied: "Go to. He lists all the cards with current introductory offers"

PKumar Nadella replied: "http://www.fool.co.uk/credit-cards/credit-cards-comparison.aspx"

Essex Ron replied: "I pay my total balance every month by direct debit and haven't paid a single penny in interest for over 20 years. That sounds like zero per cent to me. If you travel, look at the Nationwide - both their debit cards and credit cards are the best to use abroad. Finally, if you DO pay it off every month, American Express Platinum Card gives you UP TO 2% interest every year; the downside is it isn't accepted everywhere because it charges retailers too much, so you need another one as a back-up."

Arthur P replied: "Consult Motley Fool website."

kittykat replied: "Best site going this:"

traffic816 replied: "Try this"

How do you get a loan at 0% intrest from credit cards? In the UK, I have heard that you can get loans for 0% interest rate for a short period (6-9 months). Anyone knows about this? I am aware of balance transfers, what i wanted to know if anyone is aware of 0% loans on C cards

adamseymourdavies replied: "Yes - a switch between them all the time. Try. Alternatively just type 0% interest credit card into google!"

Bean counter replied: "Is this the fantasy forum?"

geniusjack replied: "This is a simple one. Open up a credit account and max out the card.....then open another one that is extending a 0% interest on all transferred balances and transfer the balance from the first one....then, cancel the first one. Then you have your loan with 0% interest. good luck."

magicalle replied: "capital one is doing 18 months interest free on balance transfers but as far as i know, no-one is doing a straight loan without interest."

beegeecee replied: "get a lot and keep swopping them overto each other"

SIMON T replied: "good luck. you'll need it. nothing for nothing"

selchie_1 replied: "www.fool.co.uk has great info on all personal finance including 0% credit cards"

jeffrey r replied: "no chance"

patricia g replied: "You have to already have the debt on another credit card and then move it across to the new card with 0% interest. The money from the other card will not be charged any interest on it until 6-9 months time. The snag is they charge you 2% to move the debt across to their card."

wzant1 replied: "Dont touch it! You might get an initial lone from a credit card at 0% interest but if you are late on a payment (and the credit card company will make sure your late) they will start charging you an outlandish amount of interest and a late penalty. If you do take it out always send your payment in on time; give it at least 5 business days, and always send it registered mail so they have to sign for it and you get a receipt in the mail, when its signed for, a few days later. Credit card companies are almost all a rip off. If you need a small loan you might try a finance company or a bank but dont get a loan for more than you need to get you out of a bind. You can end-up paying for it for years and even decades."

cyberboy replied: "hi"

Is there a Credit Card in the UK with 0% on balance transfers for the life of the balance? Which, according to you, the good folk of Y!A, is the best card to use for balance transfers.. I'm getting fed up with being charged and would like a card I can keep "for life" but not be charged interest on..... sydney77 - Yeah i did.. Went as Adam Ant! HAHAHA! Dels replies - I would settle it every month, but unfortunately, I dont get paid enough to do so.... DF - I'm not that insane ;-) LOL If i recall correctly, there was an offer like that a few months or maybe a year back. Maybe wishful thinking but one can only ask.. :-)

(((UK))) Balance Transfer Credit Cards - I don't understand!? I have about 1,500 on my credit card, but at the moment (due to the credit crunch) I can only afford to pay the minimum amount of 50/month. Obviously this will get me nowhere, and I'm keen to avoid these useless charges. I'm interested in getting a credit card with 0% on balance transfers, but I don't really understand how it works. Do you need to have two of these cards, and then transfer the balance between them both? I doubt I would get accepted for even ONE I also notice that a lot of them offer e.g. nine months 0% on balance transfers, but is this from the time you open the card, or on balances over 9 months old? And what happens after this time expires? Do they whack on hefty charges, or do they allow you to continue shifting your balance as long as you do it religiously every month? If you know about this, please advise, because I don't know what I should be looking for with these cards. Thanks. I normally try to pay the minimum (around 40) plus an additional 20, but I try to pay as much as possible each month. Does this mean that when I transfer my balance onto the 0% card when I open it, I don't need to transfer it off again until the 0% offer ends? I thought you needed TWO cards, and to transfer between BOTH cards EVERY month!

txpainthorse replied: "IF you combine your money you owe to only one card, then you only have to be concerned of one debt. Usually it will cost you to transfer funds from one to the other, but it is worth it"

CJC replied: "If you open a card that is 0% on balance transfers - then when you transfer your 1,500 to that card, you will pay 0% interest. Any purchases you make on that card will not be at 0% - keep that in mind. For your example on 0% for 9months, that is when you open your card. So if you open it in Jan. Any transfers that you make will have 0% until Sep. After Sep, nothing happens except that your rate will go up to another amount. In theory, you are able to continually transfer your balance to other cards. So, using the same example, you could transfer your balance again in Sep to another credit card that offers you 0%. HOWEVER, this will adversely affect your credit rating by having multiple accounts open. I hope this answers your questions! One more piece of advice, while I can understand that times are tough, you need to try to make more than the monthly minimum payment if you have a "regular interest" credit card. Otherwise, the interest you are accruing will make your balance never go down."

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