No-one wants to go through a breakup especially at this time of year but if ever there was a time to cut ties and whip out your best version of ‘it’s not me it’s you’, right now is your ideal moment. And in this case, your lack of love may be directed to your current credit card. Nothing puts a downer on what should be a joyful time of year than spending this loved-up month, dreading the moment of, ‘shall we split the bill?’, especially if you know that this bill is just one of many that you have to sort through when you get time.
So what is there to be done? The answer is simple. Say ‘I do’ to an easier life, with the best introductory credit card offer, getting your finances back on track and most importantly avoiding any finance related heartache.
So where to begin on the road to finding your perfect credit card? Don’t worry dear readers, VIP have taken it upon ourselves to play Cupid. Let us introduce you to Avantcard. Before you turn the page at the thought of opening your heart to a new credit card, let us be clear. This is a credit card with a difference.
The difference is Avantcard advocate a healthy approach to spending. To begin with, we recommend reviewing their financial food pyramid (pictured below) which shows the four building blocks to healthy finances. Their ethos is simple; emergency funds, paying off bad debt, or saving for retirement is at the bottom of the pyramid as the largest portion, to indicate most important. Next, as a slightly smaller portion comes insurance and paying off good debt. Next and an even smaller portion of the pyramid is savings, investments and estate planning. Finally at the very top of the pyramid is the smallest portion, to be given the least weight, splurging. Adhering to this simple and responsible way of spending is your first step in the right direction.
The key reason to choose Avantcard is this; they have the best introductory offer in Ireland with 3, that’s right 3 interest-free offers in one card!
Called the 3-8-9 offer, there is 0% interest on any purchases you make with the Avantcard for the first 3 months. In fact, we’re here to tell you that Avantcard has an exclusive offer currently running. Avantcard is increasing it’s 0% Balance Transfers from 6 months to 8 months for a limited time only.
That’s right, you can literally start your new year with a financial waistline that is a size 0%. This is an excellent opportunity for you to pay off any existing credit card bill without paying a cent in interest for the first eight months. An additional benefit is Avantcard offers 0% interest on money transfers which gives you the option to transfer extra cash into your current account interest-free for 9 months. Essentially, that is an interest free loan. Both of these offers are available to new customers, provided you pay it off within that time and make the minimum monthly repayments on time every month.
Paying with Avantcard also means you don’t need to waste time queuing at ATMs to take out cash and being charged bank fees and government stamp duty for every cash withdrawal. And if you use your debit card at the point of sale, additional bank charges may apply also and this this is on top of regular account maintenance fees.
Why waste your time with this when you can use your Avantcard and benefit from their fantastic 3-8-9 offer? Did we mention it also gives you 4% cashback when you use booking. com? Especially if you are hoping to surprise your loved ones with a treat this month. An excuse to book a romantic yet affordable holiday seems reason enough to us.
All you need to do is gather the correct documents, apply online and you could have your Avantcard within a week. The website even has an eligibility checker that will tell you what kind of credit limit you might be eligible for.
However, if you would prefer to speak to an advisor you can do that too. The award winning consumer credit team (Consumer Credit Team of the Year by ICMT (www.icmt.ie)) are based in Carrick-on-Shannon, County Leitrim so your kickstart to financial health is just a click away on avantcard.ie.
Before you make your decision, consider your options and your funds and decide if it is the best financial plan for you. Good luck and hopefully love is in the air!
To apply online for a personal loan up to €75,000, or for a credit card with 0% interest on purchases, balance transfers and money transfers* click here today!
*0% interest on purchases for 3 months, balance transfers for 8 months, and money transfers for 9 months.
The new Avantcard credit card is only available to new customers over the age of 18. Lending criteria, terms and conditions will apply. Available to residents of the Republic of Ireland and subject to repayment capacity and financial status. Proof of income and a credit reference agency search will be required to help approve your request. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.
Standard purchase interest rate of 16.8% variable. Typical APR (Annual Percentage Rate) 22.9% includes Government Stamp Duty of €30. Assuming credit limit of €1,500 repaid in equal instalments over 12 months, total amount repayable by customer is €1,636.50. Total cost of credit of €136.50.
Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland.
