Posted on February 10, 2010.
new credit card with a low-April! something? look! I went into my local branch in Halifax, to deposit funds into my account. The lady said against me that I was guaranteed credit card, ie a credit card in Halifax in one card.
Now I am not a spendthrift lot of money, I think I'll use the credit card to pay for my petrol I fill up twice in one month worth £ 40.
The lady referred me to a gentlemen who treated my data into a computer and made a check and they told me, I'm happy to tell you that your credit card application has been successful.
man mentioned something about 15.9% APR. What is it?
So my question is, for example on my credit card statement arrives and I have to balance off for example, is 40 pounds and I want to pay right away, what would the total cost will include 15 , 9%?
Check the website to: the credit card is good?
http://www.halifax.co.uk/creditcards/one ...
I will only use it to pay my gas.
The APR refers to the charge interest if you do not pay your balance when you receive all your monthly statement.
If, when you receive your monthly statement, you pay in full, you will not have to pay interest charges.
Sometimes card companies get a little money in the form of payment protection "is just an insurance policy. You do not have to accept that, but you should not need it if you are sensitive with your card.
Credit cards are a good idea provided they do not spend more than you can afford to repay at once.
if you pay right away there will be no interest payable but if you do not you pay 15.9% on what you borrow during the year - this is not a good deal, shop around and you can get one with 0% APR. Try WWW. moneysavingexpert.co.uk
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