Egg Credit Card Review

I would have to disagree with most of the negative reviews for the Egg card.



I originally took out this card to take advantage of a long 0% balance transfer offer. (I did not use this card for spending.) They gave me a generous amount of credit and it was very easy to vary the direct debit amount to make sure this was paid off in time.



When the 0% ended a few months ago the interest rate for balance transfers went up to 16.9% (purchases also 16.9% - which is certainly not the worst I have seen). But I have recently noticed a reduced rate of 4.9% for balance transfers on my account.



Many card providers will up your interest rate if they are not making any money from you - this would not be unique to Egg. If the rate is not acceptable you can refuse this and ask them to close the card when the balance is paid.



I had to speak to customer services only once as I was having trouble registering the card on-line and they could not have been more helpful.