Choosing a credit card
I’m looking for a new credit card at the moment.
The main reason is that with Halifax there’s a mismatch between the way they think and the way I think.
They send me a paper statement every month and a date to make payments by. I’m rubbish at opening my mail. And if I do I’ll check the envelope in recycling and stick the letter on a pile of other unread letters.
I frequently (like every month) forget to pay the bill and get charged £12.
All I want is a new card linked to an online service that sends me email reminders at an increasing frequency up to the payment date.
One at 10 days before, one at 5, then others at 3, 2 and 1. That is unless I’ve paid in which case the reminders should stop.
I’ve been looking online at credit cards from Sainsburys Bank, NatWest and Barclaycard.
They all offer an interest free period on transfers and purchases. So which to choose.
With what I know I’m not able to choose any of them. None of them tell me anything about their online services or provide a demo.
Can anyone recommend me a credit card that’s tied to excellent online servicing and account updates?
About the author
Richard is a managing director at cxpartners. He works with brands to develop engaging user experiences for different devices, and loves creative problem solving. Richard does a lot of baking, and loves to make bread. Email Richard, or call +44 (0)117 946 3930
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MBNA send an email each month to say that your paper statement has been sent out. But no follow-ups.
I *think* Egg let you set up an automatic payment each month which can be for a specific amount or the full balance.
I expect the main reason not many banks do what you suggest is that they make much of their money from late charges and interest. I guess they put their enormous profits ahead of the user experience in this situation :o
Though you could always set up a Direct Debit to pay off the minimum amount each month, and never have to pay a late charge again :)