Easymoney Credit Card

...the card

Easymoney is chip and pin enabled therefore you also need your PIN which came another 5 days after the card.

Once you have your card you can use easymoney.com and view your account details, transfer more balances, statements and send a message to customer services.

In the first six weeks you can transfer balances to your easymoney card free after that there is a charge however I am unable to ...
...Okay the card, you get to select your features. There are many to choose from so I'll give you a summary:-

Direct Debt, Internet Statements = 13.9% apr
Direct Debt, Internet Statements & Cashback at 0.50% = 14.8% apr
Direct Debt, Internet Statements, Cashback at 0.50% plus if you are wanting to pay a fee every year off £10 = 12.5% apr

Different options, you don't have to pay by direct debt (however your ... more

I've been looking for a credit card that offers 0% interest for 6 months and came upon the easymoney.com.

The website is basic, it’s easy to apply. During the application process you are allowed to select your card features (which I cover in a moment). You are also given a credit limit (although this may change after final checks). Finally you can also arrange the transfer of your existing credit cards during the process. You get an on-line decision. It’s all standard questions however you will be asked for bank details to set up a direct debt.

After the application I received my credit agreement two days later. Signed and returned and got my card five days later. You call a free phone number to enable the card

Easymoney is chip and pin enabled therefore you also need your PIN which came another 5 days after the card.

Once you have your card you can use easymoney.com and view your account details, transfer more balances, statements and send a message to customer services.

In the first six weeks you can transfer balances to your easymoney card free after that there is a charge however I am unable to find out what that charge currently is.

Okay the card, you get to select your features. There are many to choose from so I'll give you a summary:-

Direct Debt, Internet Statements = 13.9% apr
Direct Debt, Internet Statements & Cashback at 0.50% = 14.8% apr
Direct Debt, Internet Statements, Cashback at 0.50% plus if you are wanting to pay a fee every year off £10 = 12.5% apr

Different options, you don't have to pay by direct debt (however your APR will go up) this is the same for statements you can get them sent to your phone address. The standard apr off 13.9% may be higher due to personal circumstances.

Overall I am sure you will agreed there are cheaper cards on the market (capital one) and I will probably move on after 6 months

The card its self is bright orange and you don't get to chose I am afraid.

Customer Service is good; they answer your e-mails within 48 hours and are very polite and helpful on the phone, its 25 per minute to call them so use the e-mail service. However I have tracked down a free phone number for them.

Finally card charges

£20 over limit fee
£20 payment failure
£20 no payment by statement date
£20 for a default notice
£5 for a copy statement and copy transaction record

Overall this card is average. Good website, 0% interest for 6 months, easy application but not the cheapest APR on the market.
 

...less