Applying for a credit card

• 0% Balance Transfer Cards
• 0% Purchase Cards
• 0% Balance Transfer and Purchase Cards
• Cashback Cards
• Long Term/ Life of Balance Transfer
• Low Standard Rate Cards
• Loyalty Reward Cards

Card	Rate	Duration	BT Fee	Typical APR
Capital One BT Exclusive	0%	Until 01/10/2009	3.0%	15.9%
Virgin Credit Card	0%	15 mths	2.98%	15.9%
Capital One Platinum	0%	Until 01/09/2009	3.0%	12.9%
Egg Card	0%	Until 01/09/2009	3.0%	16.9%
Barclaycard Platinum 'As on TV'	0%	14 mths	2.9%	14.9%

Card	Rate	Duration	BT Fee	Typical APR
Capital One Platinum	0%	Until 01/09/2009	12.9%
Capital One Platinum Exclusive	0%	Until 01/05/2009	11.9%
Halifax One Online Special	0%	10 mths	15.9%
Bank of Scotland	0%	10 mths	15.9%
Barclaycard Life of Balance	0%	10 mths	15.9%

Card	Rate	Duration	BT Fee	Typical APR
Capital One Platinum	Until 01/09/2009	Until 01/09/2009	12.9%
Capital One Platinum Exclusive	Until 01/05/2009	Until 01/05/2009	11.9%
Halifax One Online Special	10 mths	10 mths	15.9%
Bank of Scotland	10 mths	10 mths	15.9%
Capital One BT Exclusive	Until 01/10/2008	Until 01/10/2009	15.9%

Card	Rate	Duration	BT Fee	Typical APR
American Express Platinum	5% Moneyback for 3 months, up to 1.5% thereafter
Capital One Cashback	4% rebate until 01/09/08 on purchases, 1% thereafter
Shell MasterCard - Citi	3% rebate on Shell fuel spend, 1% on other purchases
Barclaycard Cashback	4% Cashback until 31/07/08, 0.5% until 01/01/10

Card	Rate	Duration	BT Fee	Typical APR
Barclaycard Life of Balance	6.5%	15.9%	Life of Balance

Card	Rate	Duration	BT Fee	Typical APR
Barclaycard Low Rate Special	8.8%	56
Capital One Platinum Exclusive	11.9%	56

Card	Rate	Duration	BT Fee	Typical APR
MBNA Platinum Rewards Card	1 point for every £1.00 spent

Applying for a credit card is a simple process. You can conduct an Internet search and fill in an application form online or alternatively look for an offer in your magazine/newspaper. Failing that you can also apply for a credit card with your bank. (However do shop around first).

Before making a credit card application we advise you take some of the following steps to enhance your credibility.

• provide an address where you have lived for more than 3 years
• enrol on the electoral roll
• have a job for more than 2 years.

Bad credit credit cards

Shop around for credit cards for bad credit. Some companies, ie Captial One offer credit cards at high interest rates to people with a less than glowing track record. To avoid paying high interest rates, only spend what you can afford to pay-off in one installment.

Student credit cards

University and other higher education students can be eligible for a credit card. While not every company provides credit cards to students, those that do offer lower interest rates and other advantages such as no additional fees. Check the terms and conditions.