Free £25 for getting HSBC Credit card, use it once in 60 days. HERE.
£25.25 cashback just for having a Barclaycard No Fee Platinum 25 Month Balance Transfer Card application accepted via TCB. HERE.
Halifax 33 months 0% BT with reduced .57% fee and £20 cashback. HERE.
Sainsburys 0% apr on 32 months on purchases plus 10,000 bonus points on nector each time you spend £35 in Sainsburys worth £50 in total! HERE
Top 0% balance transfer deals September 2017
Got an existing credit card balance you’re struggling to pay it off? A 0% balance transfer card means all your payments will go towards paying off the debt, not paying interest.
£25.25 cashback just for having a Barclaycard No Fee Platinum 25 Month Balance Transfer Card application accepted via TCB. HERE.
Halifax 33 months 0% BT with reduced .57% fee and £20 cashback. HERE.
Top 0% purchase deals September 2017
If you’re planning a big purchase (or lots of small ones), a 0% purchase card means you won’t have to pay any interest on your borrowing – but don’t forget you still need to pay it back.
Sainsburys 0% apr on 32 months on purchases plus 10,000 bonus points on nector each time you spend £35 in Sainsburys worth £50 in total! HERE
Top low fee balance transfer card September 2017
Paying a balance transfer fee can eat into the savings you make with a 0% balance transfer card – so look for one with a low, or even zero, fee.
Halifax 33 months 0% BT with reduced .57% fee and £20 cashback. HERE.
Top travel card
Travellers routinely get stung by extra charge to use their credit card abroad – but there are some great cards that are fee-free overseas.
Barclaycard Platinum Travel Credit Card 0% fees on spending and withdrawing cash abroad if you pay the balance in full. HERE.
The best credit card deal is a pair of scissors. Cut them up!
cocogumbo
25 Sep 17#5
Is a credit card really a 'hot deal'? Or just a ticket into debt? Save up for the things you want. Cold. Also - stolen from MSE & you've given no credit to them in any of the deals.
JohnnyUtah to cocogumbo
25 Sep 17#6
Yes mother.
cocogumbo to JohnnyUtah
25 Sep 17#7
That's right, listen to Peggy.
joesmith1992 to cocogumbo
26 Sep 17#13
Credit card deals are brilliant
Spend on the 0% credit card, gives you extra protection on your purchases, put your money into a savings account/current account that gives you interest, and boom - free money, paid for by those who lack the ability to manage their money responsibly.
If you have no self control or lack any understanding of money, then avoid. Otherwise, having a 0% card is great
gwapenut to cocogumbo
26 Sep 17#14
Depends whether you're smart enough to be able to use them to your advantage.
Anon32
25 Sep 17#8
Spam and all these deals have been posted
Babbler
25 Sep 17#9
Yup. All on mse.
satty83 to Babbler
25 Sep 17#11
Yes but this isn't MSE. Well done op. Who cares if it's plagiarised it's not his dissertation. It's a summary of credit card deals.
LionelRichieFan to satty83
26 Sep 17#12
Someone at MSE has spent a lot of time looking through hundreds of websites and leaflets finding the best deals and all their specific details, and then hyperlinking them all. That would have been a lot of preparation and work, and OP has stolen it without giving credit. By not giving credit to MSE in the post, they are effectively claiming it as their own work.
All it needed was a footnote saying "taken from MSE" so it wouldn't look like they are trying to pass this off as their own work.
slipd
25 Sep 17#10
Cool! I love credit cards, they're the best way to spend if used correctly...
I'm after the best new spends card, ideally with some cashback if possible? Longest period of time possible.
Heat OP.
cocogumbo
26 Sep 17#15
I don't think it's a question of intellect for either of the above comments; those who are "lacking the ability to manage their money" - it's the probability of circumstance. It's all well and good if you have a regular income but what if you get made redundant tomorrow? What if you have a terrible accident and can no longer work? You'd probably wished you'd saved up and paid outright for something, not stuck it on a credit card. Just my opinion.
Also - by saying whether you're "smart" enough or "lack self control" could be quite insulting to other HUKD members. Maybe consider others circumstances before posting.. the saying if you have nothing nice to say, don't say it at all springs to mind.
gwapenut to cocogumbo
26 Sep 17#16
I also think phrases like "Save up for the things you want. Cold" are quite condescending too, which is what lea to my reply. Maybe consider others' circumstances before posting.. Not everyone's circumstances allow for that either,, life can throw horrible unforeseeable curveballs to us or to our nearest and dearest. Or some people may have saved up and wish to offset their savings. Your post itself is implying that HUKD members are not able to use it other than as a ticket to debt.
I get tired of the CC haters tarring every deal with the same brush - often it's a blanket response from people who don't understand how they can be judiciously used to their advantage, which is what prompted my own response.
joesmith1992 to cocogumbo
26 Sep 17#18
Seriously? Did you actually read our posts?
Using something wisely requires wisdom. Using something intelligently requires intelligence. Those who understand interest earn it, those that don't pay it.
The way I've suggested to use this does not involve getting into actual debt - simply holding more funds in savings account(s) that you could use to pay off the credit card in an instant. Literally will have no negative impact should you become redundant or can no longer work - in fact it would put you in a better position as it would give you access to more funds should you need it, plus the extra interest you'd earn.
Sure, if you just want to get this because you decided you need to have the latest iPhone that you can't afford, then this is a bad idea, as I stated (no self control or lack any understanding of money - totally fair and just, I'm not saying it in a nasty way, just saying it how it is).
There may be a case that you find yourself in a difficult situation and need credit to feed your family - it happens. This is a reasonable way to do it, so long as - like I said - you understand money and pay it back.
But of course - all credit cards are evil, should never be used by anyone and should be banned forever.
gwapenut
26 Sep 17#17
Re: The deal itself, it's worth noting that Barclaycard and Sainsburys have 2% or 2.5% minimum repayments, which actually becomes quite singificant over the lifetime of these deals versus the 1% you get with some other lenders. If it's fee free then it's not such a worry, but if you're paying 1-3% handling fee you want to have more than half of the balance still remaining at the end of the term if you're looking at this as a stooze.
Of course, if it's just to manage short-term cashflow problems, then a higher minimum repayment may suit you.
aventador1
26 Sep 17#19
Providing you know how to use them credit cards are fine. Personally I’ve used them to improve credit rating, credit card protection etc never had an issue and always pay it off in full. It’s the people who spend spend spend without any thinking that need to stop using credit cards.
rdbradshaw
27 Sep 17#20
What I’m looking for is a credit card that has a decent 20 month plus on 0% spending but with also cashback like £25 , because it’s rare to get both , you usually only get 1 or the other .
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
![[Xbox One] Q. u. b. e: Director's Cut on Deals with Gold](/images/topics/208716_1.jpg)
Opening post
20 comments
Plagiarism from MSE.
Spammed.
Spend on the 0% credit card, gives you extra protection on your purchases, put your money into a savings account/current account that gives you interest, and boom - free money, paid for by those who lack the ability to manage their money responsibly.
If you have no self control or lack any understanding of money, then avoid. Otherwise, having a 0% card is great
By not giving credit to MSE in the post, they are effectively claiming it as their own work.
All it needed was a footnote saying "taken from MSE" so it wouldn't look like they are trying to pass this off as their own work.
I'm after the best new spends card, ideally with some cashback if possible? Longest period of time possible.
Heat OP.
Also - by saying whether you're "smart" enough or "lack self control" could be quite insulting to other HUKD members. Maybe consider others circumstances before posting.. the saying if you have nothing nice to say, don't say it at all springs to mind.
I get tired of the CC haters tarring every deal with the same brush - often it's a blanket response from people who don't understand how they can be judiciously used to their advantage, which is what prompted my own response.
Using something wisely requires wisdom. Using something intelligently requires intelligence. Those who understand interest earn it, those that don't pay it.
The way I've suggested to use this does not involve getting into actual debt - simply holding more funds in savings account(s) that you could use to pay off the credit card in an instant. Literally will have no negative impact should you become redundant or can no longer work - in fact it would put you in a better position as it would give you access to more funds should you need it, plus the extra interest you'd earn.
Sure, if you just want to get this because you decided you need to have the latest iPhone that you can't afford, then this is a bad idea, as I stated (no self control or lack any understanding of money - totally fair and just, I'm not saying it in a nasty way, just saying it how it is).
There may be a case that you find yourself in a difficult situation and need credit to feed your family - it happens. This is a reasonable way to do it, so long as - like I said - you understand money and pay it back.
But of course - all credit cards are evil, should never be used by anyone and should be banned forever.
Of course, if it's just to manage short-term cashflow problems, then a higher minimum repayment may suit you.