Enjoy Unrestricted Shopping With Sainsburys Credit Card

A Credit card is a great way to manage your payments without any interest or extra charges when you want to spend without cash in hand

. Credit cards offer you an excellent option to shop, pay fees, or purchase anything whenever you want, and pay after a month or two at no extra charges if you are able to clear your credit balance within the interest free period. Different cards offer different interest free periods ranging from 40 days to a couple of months.

I am really grateful to one of my friends who suggested that I apply for Sainsburys credit card that offers amazingly long interest free period. It offers a lot of advantages over other credit cards.

Long Interest Free Period

You can enjoy purchasing at 0% interest for up to 12 months using this credit card. There is also no interest on balance transfer for up to 12 months. However, there is a one time service charges of 3 or 3% of transferred balance, whichever is higher, if you transfer your balance from any other credit card. This helps you get rid of interest on any debt standing on other cards, which is really a great feature.

Excellent Credit Limit

Although the spending you make using Sainsburys credit card is limited by the credit limit assigned to you based on your financial standing, you can get very generous limits as high as 25,000 with this card, which is too high to exhaust very soon.

If you wish to enjoy an interest free purchase, I would suggest you use Sainsburys credit card wisely and plan a regular monthly payment so that you can pay your entire balance by the end of one year after the purchase. In case you are unable to clear your balance within interest free period, you will be charged 16.94% interest on balance, which is also very competitive as compared to other credit cards in the market. Besides, you are also required to make a minimum monthly payment depending on your card balance in order to avoid penalty.

Easy to Meet Eligibility Criteria

To be eligible to get Sainsburys credit card you must be at least 18 years old, have not been declined credit in the last month, not have any recent history of bad credit, not be an existing Sainsburys credit card holder, and have a permanent verifiable UK address. Although you will need to provide your Nectar card number to apply for Sainsburys credit card, there are no Nectar points on purchase or balance transfer on this card.

A credit card can be a great utility for you even in hard times when you need to buy something very essential and are short of cash. But if you dont spend wisely and go beyond your means, it can be a problem for you. So, use a credit card wisely within the limit assigned to you and never miss minimum monthly payments.

Having enjoyed unrestricted shopping, I would recommend you to apply for Sainsburys credit card if you are eligible and enjoy unrestricted shopping and other facilities. It is really a great blessing if manage your minimum payments on time.

by: Simon Clifton

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