And yet more financial help... Ill learn...

[James07]

What are the differences between ISA and ICICI?

Also what are the differences between solo, visa and maestro?

Also, 0% on all purchases for 12 months means what exactly, im extremely careful when it comes to money, ill go to the extremes to make sure i dont pay unneccessarily for things...

Cheers for your help, and im hoping this is the last of the questions now...

James.

 

[James07]

So if i have 300 on it one month, and i pay my minimum, i dont get an interest added? so really i can have 300 on for 12 months, and pay it off the whole 300, or whats remaining after 12 months worth of 2.5%, on the last month, and still no charge?

Thats crazy, and definately something im going to look into...

 

[James07]

How does it work then, how do you pay for what you spend? talk me through the stage, do i ring up my cc company and say "yow up dude, take £££ from my account "00 00 00 00000000", peace" and thats it?

They just take it upon request? so they you dont get charged that nicely highly placed interest rate.

So if i buy a condom (would be expensive for a 5a!!) with my credit card, and i get home, and transfer the money to my cc, theres not a charge?

Whats this balance transfers lark? hsbc will charge me almost 5%.

 

[James07]

Right now i understand, thanks.