Guide to Fluid credit cards
Fluid offers several credit cards for different needs, whether you need to transfer a balance on an existing card or need to shift an overdraft balance, and want to benefit from an interest-free period on this debt. It is the first provider to offer Apply with Confidence, which checks if you are accepted for a card without putting a mark on your credit file, and damaging your credit rating. If you’re unlikely to be accepted for Fluid, alternative products will be suggested for you.
They are balance transfer cards, designed for people looking to reduce the amount of interest they are paying on existing credit cards.
Fluid credit cards are fully regulated by the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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Fluid is a new option from New Day Ltd, which was formerly known as SAV Credit. SAV Credit was founded in 2002. It now has around 5.4 million customers across its business, of whom a number are Fluid cardholders.
The Fluid card was created to give users more control of their finances through streamlined balance transfers, consolidating debt into one place, and allowing time to plan repayments.