Hi group,
I've only ever had one Credit Card - a Barclaycard which I've had for almost
11 months now. I've always preferred debit cards but changed my mind last year as I could get purchase protection with most (all?) credit cards.I went for Barclaycard, purely because everyone had one and they were pretty standard. I wasn't (and still I'm not) interested in interest rates as I always tend to pay the balance off on time.
This morning, I got my latest statement with Barclaycard along with the
*third* change of their terms. I do not recall their previous changes, but this one really caught my eye - they're stopping Purchase Cover from 14th June 2004, as "few of their customers benefit from Barclaycard Purchase Cover and this number continues to fall". In addition, their extended warranty will only apply on purchases over 150, although this used to beThe purchase cover is pretty much a bread and butter requirement for me so I'm going to cancel my card (how do I do this?) and looking for alternatives - I'd very much appreciate people's advice on what to go for. My exact requirements are these points included as standard (or as many as possible):
- No annual fee
- Cashback on all/most purchases or other points/rewards scheme (e.g. Air Miles or equivalent)
- Maximum interest-free period and ability to pay by DD
- Extended warranty
- Purchase cover
- Anti-fraud guarantee (online and elsewhere)
- International rescue/benefits
- Travel Insurance (accident or otherwise)
Thanks in advance for your help guys!