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Add one more to the list of conversational taboos: Credit card debt.
The critical role of credit in the economy is explained in the August 2004 policy framework of the Department of Trade and Industry: Credit enables people to have use of a product or service, at a cost represented by an interest rate, prior to their having paid for that product or service or, where an item cannot be afforded from a single month’s salary, to spread payments over a number of months.
If you only keep this card for one year, you will get 50k TYP (worth up 0) and two airline fee credits (0*2), the cost is the first year annual fee 0. If you want to keep this card longer term, then your first-year benefit is 0 and the equivalent annual fee is only 0-0=0 thereafter.
Keeper or not, this is a fantastic card to apply for!
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Customers collect “Avios” points whenever they use their air miles credit card, available from banks including Lloyds and TSB.