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Separate from the unusual nature of the site - which promotes adultery, cheating and/or deceit between long-term partners - Ashley Madison also offers several very unique features and benefits: The most interesting of the bunch is the "Affair Guarantee", where users can apply to get a refund for their three-month subscription (1000 credits, which is 9 CDN/9 USD) if they fulfill a long list of criteria, including: If after the three months the user still hasn't met someone in person to have an affair, the user can then apply to get their 9 USD plus taxes refunded to them, but "requests must be made within 30 days of Program expiration."Anyone can sign up for free, but it'll take buying some credits to really do anything with the site. CDN gets you the Introductory Package with 100 credits, 9 CDN earns 500 credits and Elite status, and 9 CDN for 1000 credits is the Affair Guarantee Package.But, crucially if you have debt but still need to use your card regularly, Sainsbury's also does a 30 month interest free deal on both new purchases and balance transfers, offering Nectar incentives here too.Just watch out for the same 18.95% interest rates after this period and transfer fees.who are really on top of their credit card repayments (and won’t get hit by astronomical interest rates) and are prepared to stomach the significant annual fees involved, you’d be hard-pushed to beat the But what if you’ve already run up the debts and despite your best efforts to drive down your borrowing, have come to the end of your 0% interest deal before you've paid it off?Then it’s all about transferring the balance for as low a fee as possible, usually with the longest window of opportunity to pay it off.consider them the devil’s best weapon in driving you into insurmountable debt (indeed around 18m people received a default notice on their credit card bill last year), used properly, they could help manage your finances better thanks to interest free periods and balance transfer offers that operate like an interest free loan as long as you play by the rules.

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and balance transfer deals is probably your best bet if you're a regular shopper, alongside its 25 month interest free balance transfer window with a 2.9% fee and 0% on purchases, also for 25 months, followed by 18.9%.

As long as the balance is paid off by the end of the period, these cards stack up against the best of the interest free finance or purchase loans you’d find on the high street - from furniture or electrical retailers for example.

The watchwords here are ‘paid off’ though, and if you think it’s unlikely that you’d clear the debts even over two and a half years, you are probably better off seeking out the best long term low rate deal, currently for purchases in the first three months up to £125, up to 1% after that when you spend up to £10,000 and 1.25% when you spend more than that.

I'll just leave that out there for you decide if you want to sign up now.

Visit Ashley Madison Want more real dating site reviews?




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