One bit of advice not HSBC or First Direct (same people) Grrrr
I'm considering Halifax they seem to have a good offer on interest free for about a year well they did when I popped in before we moved I have to go down to the branch here soon.
Barclaycard have 0% on balance transfers until July 2008 and 3 months 0% on purchases.
They seem to be coming up tops, but we've already had one dont know if we can go back he he!x
HSBC have charged me nearly £100 in charges for taking £20 or £30 (forgot now which one) out in an emergency last year!!! WTF that about? £10 somethign a month! I'm well pissed. Maxing my card an changing including bank account!