A zero percent credit card is usually offered by credit card companies as a way to draw in you to switch from your existing credit card and use their cards. The zero percent rate generally lasts for around 6 to 9 months and then the interest rate reverts to the card issuers standard rate.. The zero percent credit card is a suitable credit card for when you want to make the purchase today, that you have always wanted and disperse the cost over several months interest free. You can save several hundred pounds in interest if you make the purchase on your zero percent credit card. The zero percent credit card is also ideal if you have an outstanding debt on your existing credit card. Transferring your existing balance to a credit card with a zero percent rate can also save you several hundred pounds.

Who can apply for the Credit Card?
If you're a UK resident aged 18 or over, YOU can.

How do I apply?
Online, by phone, or postal application if you've received one. Online is the quickest and easiest way. Choose your card benefits and design, and fill out your other personal details. That's it.

Will I definitely get a card?
That's certainly the aim. But let's face it; if you're a serial debtor operating out of a tent on the edge of Dartmoor, your chances of getting your hands on a Credit Card are pretty slim.
Like all credit card companies they take into account your age, status and financial background before we let you loose with our lowest interest rate and a whopping credit limit. But the objective is to give everyone the best card they can.

How long will it be before I hear anything?
Normally within 7-10 days of applying. Before you get a card you'll be sent a paper copy of the credit agreement to sign. As soon as they have got that back your card, credit limit and PIN details are sent to you separately, for security reasons.
They normally aim to have a card in your hand within a couple of weeks of receiving your signed application.

Is it an online only credit card?
No, although you can do most things online, they will post you a monthly statement to keep you fully in the picture.

Where can I use my Credit Card?
Anywhere they take credit cards, is the short answer. Which means in around 20 million shops, restaurants, cash machines, hotels, petrol stations and other retail outlets pretty much everywhere around the planet. If you can't work out your dollars from your dinars, your pesos from your paellas and your rupees from your toupees, think of your Credit Card as your World Wide Wallet.
Plus you can also use it to buy stuff and pay bills over the phone and Internet.

I've got PINs coming out of my ears, can I choose my own?
Of course. To start with they send you a pre-set one so you can use your card at cash machines from day one. But you can then change your cash machine PIN to one of your own choice.

How easy is it to transfer other card balances to my Credit Card?
A doddle. It only takes a few minutes whether you do it online or over the phone. (In some cases there may be a charge for this). Or use Credit Card Cheques. Remember though, credit card cheques do attract a cash handling charge of 2% (min £2, max £35).

How long does the introductory Balance Transfer rate last?
Six months from the date your account is opened. If you transfer a balance a month after getting your card, you'll get the introductory rate for five months, and so on. To really make the most of this, it pays to get your Balance Transfers in early doors.

Will I get any credit card cheques?
Yes. These can come in handy for situations where credit cards aren't accepted, e.g. when staying at your favourite B&B or paying some household bills.
Take care when using them though, as payments by credit card cheque aren't protected by the same credit laws as payments you make with your card itself. For instance, if a company you've bought something from with your card goes bust, you can get your money back. But, you mightn't get your money back if you've paid for the goods by credit card cheque.