Credit Card Blogs
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- Credit card money transfer or payday loan, what's the best? 27 Mar 2012
- What the PPI? 7 Mar 2012
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- Get your 0% balance transfer now before they’re gone for good! 1 Mar 2012
Instant Decision Credit Cards
Instant decision credit cards offer a response at the click of a button when you apply for the credit card online. This can prove to be advantageous if you are looking for convenience and speed when making a credit card application over the internet. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Barclaycard Platinum with Balance Transfer
-
0%
22 mths
2.90% fee
-
0%
3 mths
-
17.9%
APR
-
Rewards
- £30 BT fee refund - offer ends 31st May
- For a quicker transfer, complete your BT as you apply
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).
-
Capital One Classic
-
n/a
-
n/a
-
34.9%
APR
-
No Rewards
- 60 second application response - credit limit up to £1,500
- Most popular credit building credit card
- Best for applicants who want to build or rebuild their credit rating
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
-
Halifax All In One
-
0%
15 mths
3.00% fee
-
0%
15 mths
-
17.9%
APR
-
No Rewards
- The APR and length of the promotional offer are dependent on your personal circumstances
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Virgin Money
-
0%
20 mths
2.99% fee
-
0%
3 mths
-
16.8%
APR
-
Virgin discounts
- Instant decision on most applications
- Discounts on Virgin holidays, Trains and other products
- Good credit rating required
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
-
Virgin All Round
-
0%
16 mths
1.99% fee
-
0%
6 mths
-
15.8%
APR
-
Virgin discounts
- Instant decision on most applications
- Contactless payment - pay for items up to £15 without entering your pin
- Good credit rating required
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.
-
MBNA Credit Card
-
0%
20 mths
2.99% fee
-
0%
3 mths
-
16.9%
APR
-
No Rewards
- Transfer your balance to your current account (4% handling fee)
- Instant decision on most online applications
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.9% p.a. (variable)
-
Halifax 20 Month Balance Transfer
-
0%
20 mths
3.00% fee
-
0%
3 mths
-
16.9%
APR
-
Entertainment, Travel and Shopping
- You must have an annual income of £20,000 or more to apply
- Cover against online fraud when shopping online
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
-
Bank of Scotland Plus
-
0%
18 mths
3.00% fee
-
0%
3 mths
-
16.9%
APR
-
Dining out Travel Shopping
- Instant decision on online applications (in most circumstances)
- Discounts on UK attractions, hotels, travel and dining out
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable).
-
Bank of Scotland Existing Customer Offer
-
0%
13 mths
3.00% fee
-
0%
13 mths
-
17.9%
APR
-
No Rewards
- Manage your account online
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Bank of Scotland All In One
-
0%
12 mths
3.00% fee
-
0%
12 mths
-
17.9%
APR
-
No Rewards
- MasterCard deals and discounts on travel, entertainment and shopping
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
-
Nationwide with Balance Transfer
-
0%
20 mths
3.10% fee
-
0%
3 mths
-
15.9%
APR
-
No Rewards
- Commission-free purchases abroad
- Positive order of payments - you could pay less interest as the debt with the highest interest rate is paid off first
- Excellent credit rating required
Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).
-
Barclaycard Gold
-
0%
to Sep '12
2.50% fee
-
n/a
-
19.9%
APR
-
Rewards
- Contactless payment for purchases up to £15
- Identity Protection Service and Fraud Protection
- Fair credit rating required
Representative Example: 19.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.90% p.a. (variable)
Instant Decision Credit Card Advice
Once you have filled in an application for the instant decision card it is processed immediately and you will, in most cases, automatically be told if you have been accepted or rejected for the credit card with a message on your screen.
Remember that not all credit cards offer instant decisions so unless time is of the essence you may find you can access a better products by looking at a wider range of credit cards or through category specific tables
Top Tips for Instant Decision Credit Cards
- Make sure you have the necessary details to hand when you apply for an instant decision credit card
- Be sure to compare credit cards before you make your final decision as this will help you to get the best deal possible
- If you get accepted for the instant decision card, you will be sent a credit agreement to sign and send back before you get sent your credit card
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.