0% Credit Cards UK

0% Credit Cards UK

Post Office Credit Card

The Post Office credit card offers something quite unusual for its customers – a competitive standard rate for everyday spending and, for the bigger purchases, an even lower rate. The latter option is almost like a pre-arranged loan where you can have up to two purchases at a time (subject to terms and conditions) at a lower rate of interest.

How this works is that if you make a ‘big ‘purchase on your credit card – for example a TV – you pay for it as normal on your Post Office credit card and then give them a call. They should then be able to switch that particular cost to a lower interest rate and you have 12 months in which to pay it off!

The Post Office credit card has been a long time coming, as the Post Office has been offering other financial products, such as loans; equity bonds, premium bonds and other savings accounts; and, car, travel and home insurance - all for quite a while now.

And while there are around 16,000 Post Office branches nationwide, in most cases you don’t even need to go into a branch, you can apply online for many of their products and services.

There are three types of Post Office credit cards, designed to meet an individual customer’s needs. Overall benefits of the Post Office credit cards include:

Low Interest Credit Card : credit cards deals ... not be able to pay off your total credit card debt within the low interest introductory period ... three types of post office credit cards, designed to meet an individual customer's needs

Cheap Credit Card Companies : instant decision credit cards ... assign a travel category, a business equipment category, a restaurant category, and so forth ... have a choice of two virgin credit cards - one which offers a low purchase rate and the other that offers

Best Credit Card : pre pay credit card ... due date, interest is charged on the outstanding balance ... cash out from your credit card in cases of extreme emergencies