Nectar Dual Offer Credit Card
Sainsbury's Bank
Nectar Dual Offer Credit Card
Balance transfer
0% 21 months
Then 18.95%
3% fee
Purchases
0% 21 months
Then 18.95%
Rewards
Nectar
Representative APR (variable)
18.9%APR
Your chance of approval
7/10
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Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
Collect one Nectar point for every £5 spent on your card elsewhere
If your application is approved you are guaranteed to get the 0% interest period advertised
But be aware that
The APR you get is subject to status, so may vary
You cannot apply if you currently hold another Sainsbury’s Credit Card
You cannot transfer a balance from another Sainsbury's Credit Card
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
Lloyds Bank
All In One Credit Card
Balance transfer
0% 24 months
Then 18.94%
2.5% fee
Purchases
0% 24 months
Then 18.94%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
4/10
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If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
Managing your card online using Internet Banking and Mobile Banking
But be aware that
The APR and length of the promotional offer are dependent on your personal circumstances
The promotional BT period applies to transfers made in the first 90 days
You cannot transfer a balance from another Lloyd's Bank card
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
Bank of Scotland
All in One Credit Card
Balance transfer
0% 24 months
Then 18.95%
2.5% fee
Purchases
0% 24 months
Then 18.95%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
4/10
What's this?
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Great for
If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
Managing your card online using Internet Banking and Mobile Banking
But be aware that
The APR and length of the promotional offer are dependent on your personal circumstances
The promotional BT period applies to transfers made in the first 90 days
You cannot transfer a balance from another Bank of Scotland card
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
Halifax
24 Month Credit Card
Balance transfer
0% 24 months
Then 18.95%
2.5% fee
Purchases
0% 24 months
Then 18.95%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
4/10
What's this?
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If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
Managing your card online using Online Banking and Mobile Banking
But be aware that
The APR and length of the promotional offer are dependent on your personal circumstances
You cannot transfer a balance from another Halifax card
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
Lloyds Bank
Choice Rewards Credit Card Account
Balance transfer
0% 24 months
Then 18.94%
3% fee
Purchases
0% 24 months
Then 18.94%
Rewards
Rewards
Representative APR (variable)
23.7%APR
Your chance of approval
4/10
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If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
Choosing the reward you want, which include high street vouchers, cashback and Avios. Collecting double Choice points for the first six months on the American Express Card
Collecting 10 Choice points for every £1 on the American Express® Card and 10 Choice points for every £5 on the MasterCard®
But be aware that
The APR and length of the promotional offer are dependent on your personal circumstances
The promotional BT period applies to transfers made in the first 90 days
You cannot transfer a balance from another Lloyd's Bank card
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £24 annual Fee your representative rate will be 23.7% APR (variable).
Tesco Bank
Clubcard Credit Card with a 0.85% Balance Transfer Fee
Balance transfer
0% 15 months
Then 20.626%
0.85% fee
Purchases
0% 15 months
Then 18.941%
Rewards
Clubcard
Representative APR (variable)
18.9%APR
Your chance of approval
Not rated
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Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
You can still apply even if you have a Tesco Bank Credit Card already
Apply online and get a decision within 60 seconds
But be aware that
The APR you get is subject to status, so may vary
You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
Tesco Bank
Clubcard Credit Card with No Balance Transfer Fee
Balance transfer
0% 12 months
Then 20.626%
0% fee
Purchases
0% 12 months
Then 18.941%
Rewards
Clubcard
Representative APR (variable)
18.9%APR
Your chance of approval
Not rated
What's this?
Go to site
More details
Great for
Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
You can still apply even if you have a Tesco Bank Credit Card already
Apply online and get a decision within 60 seconds
But be aware that
The APR you get is subject to status, so may vary
You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
Virgin Money
All Round Credit Card
Balance transfer
0% 24 months
Then 20.9%
1% fee
Purchases
0% 24 months
Then 18.9%
Rewards
Travel Entertainment Wine
Representative APR (variable)
18.9%APR
Your chance of approval
Not eligible
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Market leading
Market Leading Dual Card
Great for
Transferring money to your current account with 0% interest for 24 months (1.9% fee applies)
If approved, you will get the advertised offer
Access to a range of great Virgin offers
But be aware that
You cannot transfer a balance from another Virgin Credit Card
The promotional period applies to transfers made in the first 60 days
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
Santander
123 Credit Card
Balance transfer
0% 23 months
Then 12.7%
0% fee
Purchases
0% 23 months
Then 12.7%
Rewards
Cashback
Representative APR (variable)
18.4%APR
Your chance of approval
Not eligible
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Maximum £3 cashback per month per category: Supermarkets (1%) on spend up to £300, Department stores (2%) on spend up to £150 & Transport (3%) on combined spend up to £100
Subject to status. You will receive the exact rate and offer advertised if your application is accepted
But be aware that
There is a £3 monthly fee - the first six months are refunded for new and existing 1|2|3 Santander current account customers
You must have an income of £7,500 per year or more
Representative Example:
If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £3 monthly Fee your representative rate will be 18.4% APR (variable).
TSB
Platinum Purchase Card
Balance transfer
0% 20 months
Then 18.94%
0.95% fee
Purchases
0% 20 months
Then 18.94%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
Not eligible
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2016 SUPERS
Winner of the Best Overall Provider
Great for
Keep track of your purchases with TSB Money Planner
Internet fraud protection
A Balance Transfer fee of 2.95% applies. 2% will be refunded within 60 days so you will only pay 0.95% overall
But be aware that
The APR and length of the promotional offer are dependent on your personal circumstances
Subject to lending criteria and status
Balance transfer must be made within 90 days of account opening to benefit from the 0% offer
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
Barclaycard
Platinum Purchase Offer
Balance transfer
0% 20 months
Then 18.9%
1.49% fee
Purchases
0% 20 months
Then 18.9%
Rewards
Entertainment
Representative APR (variable)
18.9%APR
Your chance of approval
Not eligible
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You’ll be charged a 3% fee, but transfer a balance within 60 days and Barclaycard will refund 1.51%, so the effective fee is 1.49%
Paying 0% interest on balance transfers for 20 months
Paying 0% on purchases for 20 months
But be aware that
If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 20 months has expired, unless you repay your entire balance in full each month
The APR and length of the promotional offer are dependent on your personal circumstances
The promotional BT period applies to transfers made in the first 60 days
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
Santander
Credit Card
Balance transfer
0% 15 months
Then 18.9%
0% fee
Purchases
0% 15 months
Then 18.9%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
Not eligible
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0% for 15 months on purchases and balance transfers
No fee to transfer a balance
But be aware that
You cannot transfer a balance from another Santander card
The APR and length of the promotional offer are dependent on your personal circumstances. You must have an income of £7,500 per year or more
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
MBNA
All Round Credit Card
Balance transfer
0% 20 months
Then 20.9%
1.5% fee
Purchases
0% 20 months
Then 18.9%
Rewards
No rewards
Representative APR (variable)
18.9%APR
Your chance of approval
Not eligible
What's this?
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Great for
Transferring money to your current account with 0% interest for 20 months (4% fee applies)
Eligibility check: Find out if you are eligible before applying for this card
But be aware that
Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
You cannot transfer a balance from another MBNA card
The promotional BT, MT period and Fee applies to transfers made in the first 60 days
Representative Example:
If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
mysle, ze najlepsza bedzie ta karta, ktora Ci dadza. Zanm zaczniesz sie o cokolwiek ubiegac upewnij sie, ze masz dobra historie kredytowa i Experian, Noddle czy Equifax ma dane o tobie dobre.
Kazada karta jest dobre im nizsze oprocentowanie tym lepsze. Ja zawsze patrze na limity wyplaty gotowki, bo to sie strasznie przydaje gdy podrozojemy (najtaniej sie wyplaca kase)
wydajesz kase, przychodzi ci statement co miesiac, jak splacisz w calosci nie placisz odsetek, nie splacisz placisz odestki.
Czesto daja 9 -12 micy 0% odsetki , ale wszytsko zalezy od Twojej zdolnosci kredytowej,
Karte warto miec, zawsze place za wakacje, loty i transakcje, ktorych nie jestem pewna (jakby cos nie tak sie dzialo, dostaniesz kase na karte bez problemu)
mysle, ze najlepsza bedzie ta karta, ktora Ci dadza. Zanm zaczniesz sie o cokolwiek ubiegac upewnij sie, ze masz dobra historie kredytowa i Experian, Noddle czy Equifax ma dane o tobie dobre.
Kazada karta jest dobre im nizsze oprocentowanie tym lepsze. Ja zawsze patrze na limity wyplaty gotowki, bo to sie strasznie przydaje gdy podrozojemy (najtaniej sie wyplaca kase)
wydajesz kase, przychodzi ci statement co miesiac, jak splacisz w calosci nie placisz odsetek, nie splacisz placisz odestki.
Czesto daja 9 -12 micy 0% odsetki , ale wszytsko zalezy od Twojej zdolnosci kredytowej,
Karte warto miec, zawsze place za wakacje, loty i transakcje, ktorych nie jestem pewna (jakby cos nie tak sie dzialo, dostaniesz kase na karte bez problemu)
Z tego co wkleiles wynika ze praktycznie niikt nie oferuje ci karty. " not eligible" znaczy ze "ni chuja" 4/10 znaczy ze "marne szanse" jedyna 7/10 znaczy ze "moze ale nie gwarantuje ze tak". Za kazdym razem jak aplikujesz o karte obnizasz credit score i pogarszasz szanse. Jak napisal/a iwo- bierz jaka ci dadza i buduj historie kredytowa.
Tak sie wtrace, ale wysokosc twoich miesieczyn wyplat sugeruje ze nie jestes na umowie o prace, dla banku bardzo wazny jest employment status - czyli zatrudnienie; najlepiej stale.
Samozatrudnienie nie daje tobie gwarancji comiesiecznych wyplat i jednoczesnie banki staja sie bardzo ostrozne.
Czeste wykozystywanie overdraft mowi pozyczkodawcy ze nie jestes w stanie zaplanowac swojego budzetu.. ale jednoczesnie jesli go splacasz co chwile to ci pomaga.
Idz za najnizszym oferowanym oprocentowaniem.
Aplikuj i daj znac jak ci poszlo.
Powodzenia.
Sory za literowke ale brak polskich znakow.
Przy wydawaniu decyzji banki sprawdzaja twoja historie nawet 3 lata wstecz. Saldo moga sprawdzic rowniez wstecz.
Powiedzmy ze 2 tygodnie temu wziales wyplate 3500F. Po podatku i NI bedzie to okolo 2600F
Dzisiaj masz 2000F na plusie.
Powiedzmy ze za dwa tygodnie bedziesz prawie 1000F pod kreska.
I tak od kilku miesiecy...
Teraz wyobraz sobie ze jestes bankierem odpowiedzialnym za udzielanie pozyczek..
od prawie 4 lat jestem w szkocji. przez 2 lata mialem inne konto od jakiegos czasu mam w jednym banku gdzie pierwsze wyplaty tygodniowe wynosily ok 200f pozniej praca u polaka wylaty do reki , pozniej praca z wyplatami ok 300-400f tygodniowo teraz ok 600-100f tygodniowo ( wyplaty co 2 tyg ).powiedzcie mi na co zwracac uwage starajac sie o karte i moim zdaniem i co byloby dla mnie barddziej oplacalne .
Jezeli masz zamiar sie zadluzyc na karcie kredytowej, to juz znacznie lepiej wziac zwykly kredyt. Jezeli jedna karta kredytowa ma byc "na wszelki wypadek" to wez dowolna karte, a jezeli jest wysoko oprocentowana, to splacaj co miesiac w calosci. Unikniesz w ten sposob odsetek i zbudujesz sobie wysoka wiarygodnosc kredytowa.
barclay initial albo w banku w ktorym masz konto aplikuj. Sprawdz jaki masz credit history. Experian np ma taki tool ktory teoretycznie moze ci powiedziec jaka karte potencjalnie mozesz dostac.
to ze akurat dzis masz pieniadze na koncie nie ma znaczenia, credit referencing agency robi jakby screen shot z danego dnia i na podstawie tego jednego dnia w miesiacu ocenia twoja sytuacje finansowa, czyli jak masz 1000F overdraft a zuzyles 950 tzn ze zuzywasz 95% swojego danego kredytu - wiec slabo ogarniasz kase (nie mowie o tobie a generanie). Nie obchodzi ich ze nast dnia dostaes 4000 wyplaty.
Na dzien dobry dostaniesz z reguly jakis mniejszy limit a po 6 miesiacach beda ci go zwiakszac.
witam . chcialbym sobie zalozyc karte kredytowa ale nie wiem jaka wybrac . chodzi mi o niewielkie zakupy nie potrzebuje duzego balansu . max 2000 chodzi o to zeby byla jak najkorzystniejsza i najlepiej jakby dalo sie zrobic online prosze o info