Rating Summary based on 23 reviews
Advantages 0% balance transfers, friendly staff, reward points
Disadvantages No high street branches
Advantages Lower interest rates than other credit cards, stylish choice of card designs, widely used
Disadvantages Minimum payment of £25 is quite high. Additional charges can be costly, alot of additional post.
Advantages website easy to use, great introductory offer
Disadvantages hiking up interest to an extortionate 34.9%!!!
Advantages Reward points (for some), flexibility in APR choice, and options to change your APR at any time
Disadvantages High(ish) APR rates, Internet and phone based only (some may not like that).
Advantages Good initial offer
Disadvantages Awful customer service, soaring interest rates, no communication unless they want something
Advantages Smooth application process, decent size credit limit
Disadvantages Not found any
Advantages good introductory offers (0% balance transfer), AIR MILES ! ! ! !
Disadvantages there are cards with lower interest rates easily available, this is 15.9%
Advantages 10% discount in Virgin and ZAVVI
Disadvantages Punitive Terms & Conditions for late payment.
Advantages Low initial interest rate
Disadvantages revert to high rate for "bad account management"
Advantages Frequent 0% offers
Disadvantages Not the lowest APR