Interest Free Credit Cards
If you want to make the most of your finances
and making savings every which way you can it
is advisable to play the credit card companies
at their own game. When the finance provider offers
a 0% interest on their credit cards, they are
hoping that the cardholder decides to stay with
them when the higher rate is imposed. If this
proves not to be the case then the credit company
would have lost money due to their generosity.
So we recommend that you become an "interest
rate surfer" and take advantage of the banks
instead of the banks taking advantage of you!
Applying for a low interest credit card and then
transferring the balance to another sounds fraudulent
but it’s all perfectly legal. Credit card
companies are relying on you to be complacent
and ignore other deals available on the financial
market. Leaving your balance with them will incur
higher rates of interest after the introductory
rate has expired so apply to another as soon as
your deal finishes. By keeping an eye on the market
you can find out who is offering the best deal
every 6 months and transfer your balance to the
new card. However, to ensure you do not receive
a poor credit rating pay the minimum amount required
each month to stay in good financial shape.
Below are three of the best credit cards available
for providing 0% in the UK. We cannot recommend
these flexible friends highly enough.
Marbles Credit Card
Marbles is one of the UK's top and best-known
credit cards. With the ability to apply online
and get a decision within 60 seconds it is a very
convenient service. They offer 0% on all balance
transfers for a full 6 months and provide benefits
that are tailored towards the online shopper.
They offer a safe shopping promise and Internet
delivery insurance so you can buy from the Internet
with complete confidence. You are able to manage
your account online too, but they still act like
traditional money providers by sending monthly
statements and providing a free 24hr customer
service line so you can always manage your finances
whenever you want.
Halifax One Credit Card
Halifax is certainly one of the most competitive
banks on the high street and their latest credit
card, the Halifax One Card, shows their intentions
of being the best. Their introductory rate is
only 0% and that applies to all balance transfers
that you carry over and purchase for a market
leading nine months. After that period has elapsed,
the standard rate is 9.9% APR which is extremely
low for the UK. With the opportunity to earn money
back on everything you purchase, you know that
this is one of the best deals currently available.
Barclaycard Credit Card
Barclaycard - The UK's favourite credit card is
now even better. With a balance transfer rate
of 0% for the life of the balance it is the best
balance transfer rate you are likely to find in
the UK. Furthermore your Barclaycard can earn
you one Nectar point for every £2 pounds
you spend, which you can redeem at Sainsbury’s
and its many affiliates for some exception rewards.
With the usual benefits that Barclaycard are known
to offer like no annual fee, 12 month extended
warranty, free purchase protection and free price
promise, this is a credit card that can do no
wrong.
Finding finance can prove difficult but we suggest
Loans UK
as they offer a wide range of loans at various
rates.
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