Credit Cards

Is Getting a Credit Card Bad?

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You’ve probably heard someone proclaim about how having a credit card is bad.

The truth is…it was bad for them and doesn’t mean it will be bad for you!

As long as you can:

  • Control your spending
  • Earn enough monthly to pay off the balance in full

There is absolutely nothing wrong with having a credit card.

Most cases with the protection, cashback and rewards that credit cards offer you are better off buying things with your credit card.

Also have a think about what you would use a credit card for. There are different types of credit cards, pick the one that’s best for you!

What Are The Best Credit Card Deals

M&S Bank Reward Plus Credit Card
Balance Transfers
0%
Purchases
0%
Interest Rate (Variable APR)
20% APR

Get double reward points on all M&S shopping for the first 12 months and a £20 M&S voucher on your first spend. T&Cs apply. Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 19.9% p.a. variable with a 2.9% fee.

British Airways Premium Plus Credit Card
Balance Transfers
0%
Purchases
23%
Interest Rate (Variable APR)
23% APR

5,000 bonus Avios when spending £1,000 within the first 3 months of Card membership. T&Cs apply. Balance transfer facility is only available on request and at the discretion of Amex.

Sainsbury's Bank Dual Offer Credit Card
Balance Transfers
0%
Purchases
0%
Interest Rate (Variable APR)
21% APR

Sainsbury's Bank may offer you a 0% interest period on balance transfers and purchases of 27, 23 or 19 months depending on your individual circumstances.

Marbles Credit Card
Balance Transfers
30%
Purchases
30%
Interest Rate (Variable APR)
30% APR

Your credit record could be improved by using a credit builder credit card and making repayments on time.

Aqua Classic Card
Balance Transfers
30%
Purchases
30%
Interest Rate (Variable APR)
30% APR

Your credit record could be improved by using a credit builder credit card and making repayments on time.

Halifax Balance Transfer Credit Card
Balance Transfers
0%
Purchases
0%
Interest Rate (Variable APR)
20% APR

Get 0% for up to 29 months on balance transfers made within 90 days of account opening

Sainsbury's Bank No Balance Transfer Credit Card
Balance Transfers
0%
Purchases
2%
Interest Rate (Variable APR)
21% APR

No Balance transfer fee applies to transfers made within your first 3 months. The charge will depend on your current offer thereafter. Sainsbury's Bank may offer you a 0% interest period on balance transfers of 16, 14 or 12 months, depending on your individual circumstances.

FlexiCard Credit Card
Balance Transfers
0%
Purchases
10%
Interest Rate (Variable APR)
9% APR

One simple low rate, and you can set up instalment plans online to help manage your repayments. 0% fee on balance transfers made within the first 90 days

Barclaycard Platinum Balance Transfer
Balance Transfers
0%
Purchases
22%
Interest Rate (Variable APR)
22% APR

£20 cashback when you transfer a balance of £2500 or more within 60 days of opening your account. Offer ends 5-Feb-2020. Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee. The duration of the introductory offer may vary depending on your personal circumstances.

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