0% finance thread

On a credit related note- I have a credit card that I pay off every month, so the annual interest rate is not really a concern, however if for some reason I did not pay the balance off it would be- and my rate is stupidly high, 29% or there abouts.

I mentioned this to HSBC who basically said "yeah, problem?"

Anyone got any experience of making HSBC rethink these things, or can recommend a decent card provider with a lower rate of interest?

M&S Virgin Barclaycard etc all do interest free periods for new purchases and sub 19% apr. On Moneysavingexpert you will find guides to best deals for what you will use the cards for (balance transfer or spend and pay off in full monthly)

edit and what merak said about bouncing balances between cards.