RBS Advanta (RBS Advanta)

Member Name: polydeuces

Product:	RBS Advanta
Date:	12/08/08 (53 review reads)
Rating:

Advantages: -

Disadvantages: -

am an inveterate credit card churner. It seems the only way to get a decent credit card rate is to change it at a regular interval.
First of all it goes without saying it is simply not good money management if you have an outstanding amount on your credit card bill and have to pay interest. However there are occasions when even the most well managed household budget needs to spend money it does not immediately have to hand. If you do and you are caught make sure you have one available with low interest.

I had an RBS Advanta card because I had an RBS current account. I have now got rid of my RBS account for reasons that can be seen in my review of that Banks performance. I decided at the time to get rid of all RBS products and so the credit card has now gone. Next in line are the insurances we have with Direct Line. When I fall out with someone I do it big time. Of course the replacements will have to be cost effective but in what is still a competitive market that should not be a problem.
The RBS Advanta card is not attractive if you are beyond the introductory period with interest at 13.9%. Of course credit card suppliers tailor their interest rates to suit your personal circumstances so perversely the less credit worthy you are the more interest you will pay. I do not like the way they calculate interest either which is done on the statemented balance if not paid in full the previous month.

There is a website like all the others (www.rbsadvanta.co.uk) but it provides little personal information. You are better to go to the proper internet providers for that. All things considered the RBS Advanta card cannot be recommended. There is just no positive side to it.
In the competitive market of today the best offers are coming from the internet providers so I would recommend egg.com or cahoot.com as better providers.

Summary: -