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0% on Purchases

Choosing a card which offers 0% interest on purchases for a set period (usually between 3 months and a year) will give you the option to spread your payments over that time period, while avoiding high interest rates charged by some credit and store cards.

Low interest introductory rates

Low interest introductory rates on purchases are offered by many credit card providers as it is seen as a reliable method of attracting new customers.

Before signing up to a card with an introductory offer on purchases, check the length of the introductory period and also how much the interest payments will increase to after the low interest period.

In addition, if you have a balance remaining on your card after the low interest on purchases expires, it may be worth enquiring about switching to a balance transfer card, as these generally offer low interest introductory rates on existing balances transferred from other cards.

BT credit cards

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