Ciao - for people with opinions

Latest reviews Latest questions
Write a review Latest videos
Special offers
Home > Finance > Banking & Personal Finance > Credit Cards > Egg Card
User rating
User rating User rating
197 Reviews

Community Quote

PLEASE PLEASE READ I see lots of reviews from people here who have only had their egg card for 2 years, that's the good period... They state that their "standard" variable rate is what ever... more

User Reviews

for Egg Card

Rating Summary based on 197 reviews

  • 5 Stars
    		103
  • 4 Stars
    		57
  • 3 Stars
    		16
  • 2 Stars
    		11
  • 1 Star
    		10

Detailed rating

  • Additional Charges
  • Competitiveness of APR
  • Ease of Application
  • Product package
  • Quality of Customer Service
  		• 3.4
  		• 4.3
  		• 4.4
  		• 4.1
  		• 3.8
  • 27 of 27 Ciao users found the following review helpful
    Picture of Deru

    Level 6 Deru

    Member since 23/11/2003

    Reviews written: 145

    3 Stars To Egg or not to Egg? 18/10/2009
    User doesn't recommend the product

    Advantages Advantages Good customer service, Discount Rewards

    Disadvantages Disadvantages Discounts change and other cards have better rewards

    INTRO I first decided to get an Egg Credit Card to take advantage of a 0% Interest Balance Transfer (BT) about 2-3 years ago. This was so that I could buy a £1,000 laptop (Samsung Q35). The interest free period was only 6 months but that's all I needed to pay off the balance. I think the BT fee was about 2.5% back then. It's a bit higher now, circa 3% in line with other credit card providers. They also have a 0% on purchases offer on the same card, at the same time alongside the balance transfer offer but this is usually shorter than the balance transfer so if you use both and you don't clear ... more
  • 57 of 57 Ciao users found the following review helpful
    Picture of Andy0304

    Andy0304

    5 Stars They Have Cracked It This Time! 04/11/2004
    User recommends the product

    Advantages Advantages Interest Rates, Range of Services, 24/7 Online Access

    Disadvantages Disadvantages None (I think)

    I took out an Egg credit card about 2 years ago now. This came about from a recommendation from someone after I was looking for something cheaper than my expensive Barclaycard. After checking out the Egg website I had no doubts that this was the next credit card on my list. I say on my list as I am one of these people that won’t stick with a credit card once the introductory rates end. I like to switch from one to another to keep me from paying that horrible thing they call interest. Any way there were many reasons for me choosing to go with Egg over other companies? The first being that even ... more
  • 18 of 18 Ciao users found the following review helpful
    Picture of hthomas018

    hthomas018

    5 Stars An Eggcellent card 28/11/2002
    User recommends the product

    Advantages Advantages 0% interest for 6 months and cashback

    Disadvantages Disadvantages Cashback could be more

    Sorry couldn't resist the pun! Egg have done well with this card, and they've grown their market share dramatically over the past 2 years. This shows how good their card is in itself. APPLICATION Obviously, you can apply over the internet(www.egg.com). However the Consumer Credit Act states that you have to sign for it, so Egg will send a completed application form for you to sign. Money Laundering laws also require them to ask for your identity, so you need some recent utility bills (except mobile phone bills) and bank statements to verify who you are. These are general finance laws though ... more
  • 115 of 115 Ciao users found the following review helpful
    Picture of molelover

    molelover

    5 Stars Less humiliating than www.savekaryn.com Diamond review 14/12/2002
    User recommends the product

    Advantages Advantages 0% on balance transfers for six months, APR of only 13.9, The widespread acceptance of VISA, No annual fee, 0.5% cash back on all purchases, Egg Reward Scheme, No more paper bank statements, No more annoying automated phone banking services

    Disadvantages Disadvantages You could get a lower APR elsewhere, £20 fee for missing payment or going over credit limit, less cashback than before

    I did think of setting up a website to encourage people to donate their hard earned cash to pay off my credit card. Does anyone remember the girl who did just that? Her website is www.savekaryn.com and she paid off her $20,000 credit card bill with donations from strangers and selling some old stuff on ebay. Amazing. But then I thought, no, I'd like to keep some pride in tact. It's one of those things you keep telling yourself you ought to do, isn't it? Say it isn't only me that has meant to transfer their credit card balance to another card for the last six months! After all, it's one of the ... more
  • 100 of 101 Ciao users found the following review helpful
    Picture of LostWitness

    LostWitness

    4 Stars FERTILISE THOSE FINANCES 23/11/2001
    User recommends the product

    Advantages Advantages Competitive APR, Cash Back, Online Management

    Disadvantages Disadvantages Web interface is not as user friendly as it could be

    Credit cards are aiming to be more and more competitive – it’s a sign of the times, and it’s fantastic news for the consumer. Credit card spending is now recognised as a powerful retail tool, no more so than for online shopping where having a credit card is virtually essential. Egg was one of the first financial institutions to cater solely for online financial management, coupling increased technology awareness with a groovy youthful image. I’ve had a credit card with Egg for around 9 months now. It’s not my card of choice, simply because I tend not to carry a ... more

Related Tags

for Egg Card