UK credit card advice.

Halifax One Card
0% interest on balance transfers for the first 12 months, 0% interest on purchases for the first 3 months, and an excellent typical rate of 15.9% APR (variable). A handling fee of up to 2% applies per balance transfer.

egg credit card

It's got it all packed in.

* 0% interest until 1 June 2006 on purchases and balance transfers, and then you'll pay our standard rate, currently 15.9% pa variable. For each balance transfer there is a 2% handling fee (maximum £50).
* Fantastic 0% anniversary offer every year until 2007.
* You can get up to 10% instant cash back at selected online retailers such as Virgin Wines and ASOS.com
* Rest easy with our affordable card repayment protection.
* Apply in minutes. There's no paperwork at all.

I think Capital One do a 0% on balance transfers. I applied for one of their cards online and it was sent through within a few days. I don't know what their APR is like though - I guess it might be quite high, but I only use their card as a glorified debit card and pay the bill in full each month so I've never accrued any charges.

Virgin Credit Card

Rates

0% p.a. on card purchases for 3 months from the date your account is opened (Limited offer only).
0% p.a. on balance transfers for 9 months from the date your account is opened*
Typical rate 15.9% APR (variable) on card purchases.
Sexy red, classy black or cheeky pink?

Mint offer 0% till September 2006 on balance and purchases, and APR is typical 14.9% afterwards. Same 2% on balance.

Any advance?

Haha, I used to have a Virgin card but paid it off and threw it away.

Marble Credit Card

0% per annum fixed for 6 months from account opening on balance transfers *. Typical 12.9% APR variable

Apply Now for the RSPCA credit card

* 0% balance transfers for 5 months
* 3 different card types available (dogs, cats and neutral)
* 14.9% typical APR variable
* RSPCA will receive a donation of £15 just for taking out this card
* RSPCA will receive 25p for every £100 you spend
* Free travel accident insurance
* Up to 56 days interest free credit

My rather boring advice is chop up your card and arrange a loan with the bank to pay off the debt. You'd be paying off £50 a month for the next two years, which is a drag, but at least you wouldn't have that card burning a hole in your wallet anymore. I finally did this myself about 6 years ago after years of dodging the issue and having things get worse and worse financially, and I'm pretty glad I did it too.

My advice is to whore it around 0% cards for the rest of your life. I haven't paid interest on a card for about 5 years and I get an interest free loan for my holiday every year.

That certainly is sound advice, Nick, and I'd be more than willing to take it up except that I'm still paying off my graduate loan and will be for another 2 years. It probably still makes better sense than piling £100 a month into a credit card, I'd just feel awkward about getting another loan on top of student and graduate ones I already have. Hmmm...

nick is probably right. but i just signed up w. mint, latest in a long line of 0%rs

I want another credit card too (Barclaycard arbitrarily raising their APR to 21.9% after 13 years of loyal service - suck me, Barclays) but more important to me is any kind of cashback or benefits offer. Any suggestions? Amex I think has the best rate but it's not accepted everywhere so that's out. I also want to boycott Mastercard because of their shocking monopolising of 2006 World Cup business.