I don’t need to tell you that times are hard. I sometimes wonder how other people manage. I sometimes wonder how I manage mysefl! One way I make ends meet is, occasionally, to do a sponsored post, like this one, which is going to be all about yummy Barclaycard.
Ok then, so Barclaycard is helping me – but it could also help you. I would never recommend running too many credit cards at once. I did this at university, and ended up in a pickle, and this was in the days when all that education was absolutely free, no tuition fees at all. Not clever to finish off in debt. Luckily it wasn’t a serious hole I’d dug for myself, and I soon got a job and paid it all off. It’s not always that easy these days. But, if for some reason you do need to get a new credit card, it really does sound as though Barclaycard is the way to go at the moment.
There are four main deals to look out for, but apply by midnight on 31st May 2012 or you’ll miss out:
· Market leading 22 month 0% BT offer is now even stronger with the introduction of a brand new £30 discount on the transfer fee (for transfers over £2,500)
· New 15/15 deal – 0% interest on both purchases and balance transfers for 15 months, an extra month improvement from the current 14 / 14 offer.
· The low BT fee card (fee of 1.6%) is extended to 17 months duration, increased from 16 months
· A completely new, 0% interest on all purchases for the first three months with Barclaycard Initial, a product designed for those customers who are new to credit
David Chan, chief executive of Barclaycard Consumer Europe said: “We’re very excited to be offering even better value and such a huge amount of choice to new customers; from those wanting to manage their money better, to those who are seeking to build a credit history.”
To be honest, a lot of the fine print rushes straight over my head, ruffling my hair pleasantly. What is a transfer fee? Is it something to do with football? How does interest work? I’ve no idea. The 0% interest on purchases for the first three months for new credit card users sounds good, I think that means basically you don’t have to pay the whole lot off and won’t get charged for three months. Find out more on the Barclaycard site if you’re tempted.
What I do with my own credit card is even simpler – pay it off every month. That way there is a natural brake on my spending, as I know I can only pay off so much, and I don’t pay any extra in interest fees to the credit card company. I don’t suppose it makes me a very exciting customer for the banks, even for adorable Barclaycard, but I expect they’ll live 🙂