Instant Credit Cards

Instant Credit Cards

Post Office Credit Card

The Post Office credit card offers something quite unusual for its customers – a competitive standard rate for everyday spending and, for the bigger purchases, an even lower rate. The latter option is almost like a pre-arranged loan where you can have up to two purchases at a time (subject to terms and conditions) at a lower rate of interest.

How this works is that if you make a ‘big ‘purchase on your credit card – for example a TV – you pay for it as normal on your Post Office credit card and then give them a call. They should then be able to switch that particular cost to a lower interest rate and you have 12 months in which to pay it off!

The Post Office credit card has been a long time coming, as the Post Office has been offering other financial products, such as loans; equity bonds, premium bonds and other savings accounts; and, car, travel and home insurance - all for quite a while now.

And while there are around 16,000 Post Office branches nationwide, in most cases you don’t even need to go into a branch, you can apply online for many of their products and services.

There are three types of Post Office credit cards, designed to meet an individual customer’s needs. Overall benefits of the Post Office credit cards include:

Get Credit Cards : credit card lender ... thought of paying off your credit cards with a reduced interest loan is tempting, be very cautious prior ... the additional benefits available and then find the card that has the sort of benefits that you can take

Low Apr Credit Cards : bank credit card ... decide to use credit cards, you must pay them off every month and use them only for items you would buy ... if you want to make a big purchase and then gradually pay it back interest free over a period of time

Secured Credit Card : credit cards with ccjs ... card issuers charge you for withdrawing cash at an atm ... sure that when your next statement arrives, that you check it for any unauthorised transactions