How easy to switch Credit Cards?
Discussion
I don't have a lot on credit cards or should that be card.
I use it to pay for anything on the net and then pay it off when I can be bothered, sometimes its all off in one go, sometimes its a few hundred £.
I know the % on my CC is reasonable high at 9-19%.
How does one go about switching this to a 0% CC (for say 3 years) and what are the pit falls?
The reason I ask is that I have always used the CC that my current bank supply, so have never looked at this before, today I was just thinking about it and wondered how difficult it would be to do it?
Show me some good deals, based on the fact I have no debts other than mortgage and a lazy CC.
I use it to pay for anything on the net and then pay it off when I can be bothered, sometimes its all off in one go, sometimes its a few hundred £.
I know the % on my CC is reasonable high at 9-19%.
How does one go about switching this to a 0% CC (for say 3 years) and what are the pit falls?
The reason I ask is that I have always used the CC that my current bank supply, so have never looked at this before, today I was just thinking about it and wondered how difficult it would be to do it?
Show me some good deals, based on the fact I have no debts other than mortgage and a lazy CC.
Du1point8 said:
I don't have a lot on credit cards or should that be card.
I use it to pay for anything on the net and then pay it off when I can be bothered, sometimes its all off in one go, sometimes its a few hundred £.
I know the % on my CC is reasonable high at 9-19%.
How does one go about switching this to a 0% CC (for say 3 years) and what are the pit falls?
The reason I ask is that I have always used the CC that my current bank supply, so have never looked at this before, today I was just thinking about it and wondered how difficult it would be to do it?
Show me some good deals, based on the fact I have no debts other than mortgage and a lazy CC.
http://www.moneysavingexpert.com/I use it to pay for anything on the net and then pay it off when I can be bothered, sometimes its all off in one go, sometimes its a few hundred £.
I know the % on my CC is reasonable high at 9-19%.
How does one go about switching this to a 0% CC (for say 3 years) and what are the pit falls?
The reason I ask is that I have always used the CC that my current bank supply, so have never looked at this before, today I was just thinking about it and wondered how difficult it would be to do it?
Show me some good deals, based on the fact I have no debts other than mortgage and a lazy CC.
Takes all of 15 mins to apply online.
I got the Santander 123 cc recently, 24 months interest free and no balance transfer fees. Didn't need an interest free card but hey, it's free money
You can do balance transfers online, all you have to do is type in your other cc number. So now I get 1.25% cashback on my Amex, transfer it over to the Santander one and pay the minimum amount each month
I got the Santander 123 cc recently, 24 months interest free and no balance transfer fees. Didn't need an interest free card but hey, it's free money
You can do balance transfers online, all you have to do is type in your other cc number. So now I get 1.25% cashback on my Amex, transfer it over to the Santander one and pay the minimum amount each month
Du1point8 said:
I use it to pay for anything on the net and then pay it off when I can be bothered, sometimes its all off in one go, sometimes its a few hundred £.
I know the % on my CC is reasonable high at 9-19%.
That's a terrible way to use a credit card...I know the % on my CC is reasonable high at 9-19%.
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