MBNA Credit Cards - www.mbnaapp.co.uk/oct

Credit Card Companies

Credit cards are one of two things, a convenient way to pay for goods and services, or a way to live beyond your means. If you're believe in the latter, get some advice before applying for another card, and you may be better off with a pre-paid card, so you can't spend what you don't have! However, they do have an upside. They are a great way to pay, don't weigh your pockets down, and as long as you pay off the full amount every month, don't cost you a penny more than using cash, assuming you don't pay for the privilege of using a card! If you do pay, switch card now! if you do transfer to another card, make sure they have a zero% interest on balance transfers. We're adding to the list every week, but here's some for starters:

  • Barclays Zero Rate Transfer - www.barclaycard.co.uk/zero
  • 0% on purchases for 3 months - www.natwest.com/bestever
  • 0% on purchases for 3 months - www.rbs.co.uk/bestever
  • Moganstanley - www.morganstanley.com/

If you're not paying any interest or charges every month, you can make use of various special offers to get a little bit back from the credit card companies. Reward points and cashback are the favourites, and can add up over a long time. However, the companies aren't doing this because they're nice! The incentive of reward points keeps you using their card rather than another one, and keeps you sucked in for a long time. Personaly, I use the Tesco card as they quadruple the reward points value if you buy from their clubcard deals range (www.tesco.com/finance) MBNA have a reward cards, the normal rewards card (www.instantrewards.co.uk & www.mbnainstant.co.uk/sep & www.thembnarewards.co.uk/octil), and for the high roller, the platinum card (www.mbnaplatinumplus.co.uk/oct). American Express also have a rewards program (www.mbna-rewards.co.uk/oct) which seems to be run by MBNA. Quick note, most credit cards are actually run by a few massive banking companies! Lloyds TSB have teamed up with Amex to offer you a 'better' reward card (www.lloydstsb.com/better) If you're after a quick points fix, then get an Visa card with 2000 points to get you started (www.mbna-instantrewards.co.uk or www.mbnadecision.co.uk/oct )

Other offers

  • www.morganstanley.com/mail3
  • Goldfish - www.goldfish.com/mirror
  • www.mbnaplatinumplus.co.uk/oct
  • www.morganstanley.com/mail4
  • www.mbnacardinstant.co.uk/oct
  • www.morganstanley.com/mail5
  • www.lloydstsb.com/creditcards
  • www.morganstanley.com/cards/apply
  • Goldfish - www.goldfish.com/star
  • www.postoffice.co.uk/creditcard
  • www.instantpoints.co.uk/oct
  • www.instantrewards.co.uk/oct
  • www.mbnacardapply.co.uk/oct
  • www.mbnaapp.co.uk/oct
  • www.mbnainstant.co.uk/oct
  • BT Card - www.bt.com/cardapply
  • www.mbna-rewards.co.uk/oct
  • www.mbna-rewards.co.uk/oct
  • www.mbnaapp.co.uk/oct
  • www.mbnaplatinum.co.uk/oct
  • www.mbnaplatinumplus.co.uk/oct
  • www.mbnaapplication.co.uk/oct
  • www.mbnacardtoday.com/jun
  • Goldfish - www.goldfish.com/sun
  • www.mbnadecision.co.uk/oct
  • www.mbnacc.co.uk/pointspreapproved
  • www.mbnacc.co.uk/oct
  • www.platinumrewards.co.uk/oct
  • www.mbnaplatinumplus.co.uk/oct
  • www.thembnasmartmove.co.uk/oct
  • www.americanexpress.co.uk/platinumcardoffer
  • Goldfish - www.goldfish.com/