The Everyday Credit Card is advertising 27months 0% on balance transfers with no BT fee.
When applying for this card I was informed that so-long-as Santander give me notice first, they can change the interest free period after I’ve made by balance transfer. I did question this with their member of staff who confirmed it. This doesn’t sound correct to me. MSE is this correct or did I get someone who requires a bit more training on their products? If it is correct I think this needs highlighting.

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We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

• This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
• Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
• We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
• We often link to other websites, but we can’t be responsible for their content.
• Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE’s Editorial Code.

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

• This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
• Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
• We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
• We often link to other websites, but we can’t be responsible for their content.
• Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE’s Editorial Code.

Yesterday I was checking my credit report on Experian and took a look at the credit cards I was likely to be accepted for, to my surprise I was 100% likely to be accepted for an Aqua Classic credit card. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. I filled in the form and was told i’d been accepted and that I would receive my card and pin in the post, around half an hour later I received an email with my APR% (24.7%) and further confirmation of being accepted and was told again that within 10 working days I would receive my card and pin in the post.

Does anybody have any experience going through this and not receiving the card? I’m very reluctant to believe that I am going to receive this card especially with such a low APR.

Its always better to be paying as little interest as possible on any financial product especially a credit card.

Are you saying you already have a card with a BT offer OR you are thinking of applying for one to see what credit limit you get?

A bit more info will be helpful

Was going to buy it cash, because I had some savings, but AFTER the deal was negotiated, I spotted that the dealer took credit cards, so dropped the £5630 on my Tesco Credit/ Clubcard.

Will pay it off straight away so as not to get any interest added, but can anyone tell me how much Clubcard points / vouchers I should get for that?

Cheers

Guy

So the other card at 26% APR is just that with no 0% deal attached to it?

Having clicked refuse, you could ring them up and state you made a mistake and meant to click accept, that should resolve that side of it and then yes to questions 1) and 2)

I like Barclaycard they are good for offers (not for you yet) decent credit limits and online accounts pretty straightforward to use, make extra payments etc.

If you run the account well you will get a 0% offer in the future and you will end up with a decent limit, cant say how long those will take every ones financial circumstances are different but out of all the cards I use Barclaycard are definitely one of the better ones.

Hey guys, I’ve recently been accepted on a credit card (I applied for one merely to boost my credit history-repayment history, and score in general).

This may be a silly question, but what is the most EFFICIENT, beneficial way to use one?

My main usage would be things like food shopping and petrol for my car (then pay IN FULL), at the end of every pay month.

Is there any other way I can use this to benefit me more so in terms of repayment history and credit score? Other than use it for small purchases (£50-150) and pay IN FULL each month?

The ms.

Hi all,

I have never had a Credit Card before but thinking a 0% over 28 months (if accepted). Looking to pay off my overdraft and a store card and then be done with it. Any recommendations? One that I can transfer money off or withdraw from a Bank to pay off the overdraft preferably.

Thanks.

Laura

The content on this page is accurate as of the posting date. Some of the offers mentioned below may no longer be available. Please review our list of best credit cards to find our current offers, or use our CardMatch tool to find cards matched to your needs.

Dear Cashing In,

On a recent American Airlines flight the flight attendants were promoting a sign-up offer on one of AAdvantage Aviator credit cards. There was even an extra bonus if you applied for the card right there. Are these in-flight promotions worth it? – Lee.

Dear Lee,

Airplane passengers endure plenty of annoyances while traveling, from the lack of legroom to the chatty person next to you to the pilot who keeps interrupting over the intercom.

But what about credit card offers in the air: Are they just another annoyance, or are they the great deal that flight attendants claim?

See related: Best credit card sign-up bonuses of 2019

In-flight sign-up offers: Pitching to captive audiences

Sometimes the advertisements are subtle, like the full-page ads in the in-flight magazines. But other times, there is no way to avoid the full sales pitch from a flight attendant who drones on about the virtues of a card.

On a plane, they know you are a captive audience. You can’t just walk away. It is tough to fly on American Airlines these days without hearing the pitch for a AAdvantage Aviator Red World Elite Mastercard.

Airline cards can be a good deal for the right people. Here’s what you need to know for the next time you are on a plane and encounter a sales pitch for an airline’s credit card:

Pros of in-flight sign-up offers

They are legitimately a good deal

Regardless of the airline, airline-affiliated credit cards are structured similarly. They have annual fees but tend to come with generous sign-up bonuses of frequent flyer miles and unlock perks such as priority boarding and free checked bags.

If you fly more than occasionally on that particular airline, or you are interested in receiving frequent flyer miles as a reward, then an airline card might be right for you.

They might possibly present a better offer

Sometimes, the sign-up bonuses you receive for applying for a card while on a plane are superior to those you receive applying online.

This isn’t always the case, but American occasionally offers 5,000 more frequent flyer miles in a sign-up bonus from applications filled out on planes.

They are easy to apply for

You’re on a plane. You might not have internet access. What else are you going to do? Filling out the form by hand takes just a few minutes.

Cons of in-flight sign-up offers

They can be annoying

Make no mistake about it but hearing the pitch for a card can be annoying, especially if you travel a lot and have to hear it on every flight – even if you already have the card or have decided against it.

The pitch on American flights isn’t quick either: It seems to go on for several minutes and is tough to ignore. 

They might present identity theft risk

I don’t know about you, but I always get a little nervous filling out a form on paper that requests personal data such as income and Social Security number.

It feels less safe applying this way than on a secure website, and who knows how many other people have access to your written information as it gets processed? Applying for credit cards online doesn’t involve humans seeing your personal information, since the process is handled all by computer.

Their benefits might be exaggerated

The part I love about the in-air credit card pitch is hearing how the flight attendant couches the benefits of the card.

The process of redeeming award miles sounds straightforward, seamless, and free.

In reality, you can’t always redeem the frequent flyer miles for when you want to travel, or the airline might suggest odd or inconvenient routing if nonstops are unavailable.

The award flights are not always free, either: In some cases, fees can amount to hundreds of dollars, such as when you redeem American miles on British Airways flights.

Or if you want to book a flight on American or United within 21 days of departure, the airline will charge you $75.

In-flight sign-up offers: Odds of approval

Whether you apply online or on a plane, your odds of being approved for the airline’s card are probably the same.

Generally, you need very good credit to be approved for the best rewards cards. That means a credit score in the 700s or 800s, though you might get approved if you are in the high 600s.

The best advice is not to feel pressured into a decision on a card application because you happen to be on an airplane.

Instead, evaluate your card options when you can compare cards and find out more information, and make an informed decision.