Just got me a Nationwide All rounder card. Introductory 15 months 0% on purchases & money transfers. They do 0% fees for international payments too. Available to members only though.
@@shiva-hy4wk You can do an eligibility check on their website. But if you're new they may not give it. Generally best to wait a few months before applying.
@@johnmajor5525No Cashback, but Intend to have the nationwide card selected on my curve card so I can at least get my selected cashbacks (Asda, Sainsburys, Tesco, Just eat etc)
Seems to be the same old infomation every month, No new deals out there, This is the same infomation over and over there is no new players offering a better deal simple really....
You are so right! He’s just doing this video for the algorithm probably. Not really to help viewers. Also, I think he’s getting big incentives from AMEX! So, this is more of a SALES video for Amex!
@@Mmmezmira Thank you for the reply, I dont know if your right but i do agree with you its i guess its for algorithm, Whts the point just to get views its no help to people? if there is nothing much to speak about and no new deals why put this out...
It's good for people who's just discovered this channel (like me) and consistent videos help new viewers get an overall idea and most recent information regarding basic things. So, kudos to that.
Thank you so much for all the information Still don't understand all but better than it was before your explanation. I never had a credit card and other than mortgage and small fees,I don't have anything coming off my card. I pay everything but not actually from my card . And now I want to buy holidays,but can't quite afford them ,they so expensive and some one told me about it that she buy the holiday with one credit card then she pays it off with an other one that was Virgin . So I went checked out and I'm not eligible. What do I do so my score would change for a better soon ,not in years ?
I know you said not to ask this, but I'm going to ask anyway....If I am a Vitality insurance product holder, wouldn't the clear winner be the AMEX Vitality Cashback card? It encourages you to work-out and in return you could earn in theory £310 per year in cashback on a £12k spend. No annual fee either. I can't see how its possible to get the same value back in points or cashback from any other card with the same spend 🤔
If you have high salary you can get large credit limit. Use that for all your purchases and put your actual money into maxing isa or hell you can put it into saver account. 10k = 500 at 5% per year. Cards can be interest free for 18 to 20 months. Easy money.
@@wannabecompounder True, but that only works while you have an interest free period. After that finishes, credit card interest rates go up into the double digits.
@@sonny8085 then you can either pay off or balance transfer. You just need to max out your isa to the best extent possible. Compound for as long as possible
I've not had a credit card before however am eligible for most cards due to a strong score from debit. I was thinking Amex gold (free for the first year) then downgrading to amex cash back everyday card. What do you think? Ps annual income is £23100, age 25
This year i will travel a lot and estimated to spend 30k on hotels, dining and travel miles i need a card that will allow me to do this and receive rewards. Most cards i looked at have 10k limits and the rewards add up to pennies maybe 300 pound in cashback over the year. Whats the point but with the amex 10k limit it is even less
Dear Andy, Thank you for providing the information. I am currently looking to build my credit score to qualify for a property purchase. Despite having a salary of £27,500, my applications for M&S, Barclaycard, and Tesco Bank have been declined. Could you please provide guidance on how I can improve my credit score and increase my eligibility for credit cards? Thank you very much for your assistance. Best regards, Iman
The more i listen to the benefits of credit cards, the higher the conviction that they are in almost all cases completely useless. Except in those country where they look a your credit score to see if you are a good worthy boy
Or they could just give us all one rate. How could you reward people for taking debt and paying it back over people who believe in Spending their own money without debt. It’s 🙃. Society is pushing me to become a debtor, because I really need this credit score.
I have a credit card but am paying more on Apr that my monthly payments to try and reduce the amount what would you advise. Should I het a 0% and clear it that way or just keep paying
Get a 0% balance transfer ! Why pay all that interest??? Plus when you balance transfer and clear the previous CC it improves your credit as it counts as paying off that CC
If you can, never use a credit card. In my experience I always spend more using a credit card than using my own cash and debit card. Perhaps for others does not apply?
Just got me a Nationwide All rounder card.
Introductory 15 months 0% on purchases & money transfers.
They do 0% fees for international payments too.
Available to members only though.
I am a new member to nationwide, is there any eligibility criteria to get the card ?
@@shiva-hy4wk You can do an eligibility check on their website. But if you're new they may not give it. Generally best to wait a few months before applying.
Cashback?
@@johnmajor5525No Cashback, but Intend to have the nationwide card selected on my curve card so I can at least get my selected cashbacks (Asda, Sainsburys, Tesco, Just eat etc)
@@johnmajor5525none of
Seems to be the same old infomation every month, No new deals out there, This is the same infomation over and over there is no new players offering a better deal simple really....
You are so right! He’s just doing this video for the algorithm probably. Not really to help viewers. Also, I think he’s getting big incentives from AMEX! So, this is more of a SALES video for Amex!
@@Mmmezmira Thank you for the reply, I dont know if your right but i do agree with you its i guess its for algorithm, Whts the point just to get views its no help to people? if there is nothing much to speak about and no new deals why put this out...
It's good for people who's just discovered this channel (like me) and consistent videos help new viewers get an overall idea and most recent information regarding basic things. So, kudos to that.
He's giving you the information that's there if there are no deals there are no deals
Well tbh it helps new viewers and retains viewership.
Love this channel
What about the Zorrz credit card? As I understand there are no checks at all needed?
Thank you so much for all the information Still don't understand all but better than it was before your explanation.
I never had a credit card and other than mortgage and small fees,I don't have anything coming off my card.
I pay everything but not actually from my card .
And now I want to buy holidays,but can't quite afford them ,they so expensive and some one told me about it that she buy the holiday with one credit card then she pays it off with an other one that was Virgin .
So I went checked out and I'm not eligible.
What do I do so my score would change for a better soon ,not in years ?
What's the best credit card for lounge access?
Good to see you on Jeremy Vine on 5 this morning. TV debut?
Barclaycard freedom rewards card…..if I spend in Euros is there a charge ?
No, he just said there's no none sterling fees
Best credit card is:
No credit cards.
Don’t take on debts.
Or use them properly and never pay interest, that way it’s no different than a debit card but you benefit from boosting your credit score.
I know you said not to ask this, but I'm going to ask anyway....If I am a Vitality insurance product holder, wouldn't the clear winner be the AMEX Vitality Cashback card? It encourages you to work-out and in return you could earn in theory £310 per year in cashback on a £12k spend. No annual fee either.
I can't see how its possible to get the same value back in points or cashback from any other card with the same spend 🤔
If you have high salary you can get large credit limit. Use that for all your purchases and put your actual money into maxing isa or hell you can put it into saver account. 10k = 500 at 5% per year. Cards can be interest free for 18 to 20 months. Easy money.
@@wannabecompounder True, but that only works while you have an interest free period.
After that finishes, credit card interest rates go up into the double digits.
@@sonny8085 then you can either pay off or balance transfer. You just need to max out your isa to the best extent possible. Compound for as long as possible
I've not had a credit card before however am eligible for most cards due to a strong score from debit. I was thinking Amex gold (free for the first year) then downgrading to amex cash back everyday card. What do you think? Ps annual income is £23100, age 25
This year i will travel a lot and estimated to spend 30k on hotels, dining and travel miles i need a card that will allow me to do this and receive rewards. Most cards i looked at have 10k limits and the rewards add up to pennies maybe 300 pound in cashback over the year. Whats the point but with the amex 10k limit it is even less
Amex does not have 10k limit. The limit is based on income and credit history. For example, I have 15k limit on it currently
This Quidco Cash Back for Amex card do we get it automatically every year? Or is it only for first year
Dear Andy,
Thank you for providing the information. I am currently looking to build my credit score to qualify for a property purchase. Despite having a salary of £27,500, my applications for M&S, Barclaycard, and Tesco Bank have been declined.
Could you please provide guidance on how I can improve my credit score and increase my eligibility for credit cards?
Thank you very much for your assistance.
Best regards,
Iman
Same happened to me go for something like post office credit card first use it for good 8 to 9 months then apply for American and you are set to go
How do we soft check eligibility?
The more i listen to the benefits of credit cards, the higher the conviction that they are in almost all cases completely useless. Except in those country where they look a your credit score to see if you are a good worthy boy
I think credit score is important everywhere, you can save yourself from paying thousands on interest especially on mortgages
Or they could just give us all one rate. How could you reward people for taking debt and paying it back over people who believe in Spending their own money without debt. It’s 🙃. Society is pushing me to become a debtor, because I really need this credit score.
I have a credit card but am paying more on Apr that my monthly payments to try and reduce the amount what would you advise. Should I het a 0% and clear it that way or just keep paying
Get a 0% balance transfer ! Why pay all that interest??? Plus when you balance transfer and clear the previous CC it improves your credit as it counts as paying off that CC
Could I get the chase debit card and get cashback on direct debits like vanguard s&s isa, gym, etc?
no cashback on direct debits, and even if you deposit using a debit card there are some restrictions on cashback like investing..
I got the Barclays platinum card and the Amex gold is this a good combo ?
Yes
Thank you. As always great content
Been waiting for this video
Is cashback considered as interest for your tax return?
No
If you can, never use a credit card. In my experience I always spend more using a credit card than using my own cash and debit card. Perhaps for others does not apply?