Posted on May 29, 2010 at 10:35 am Hi all    I have a LLoyds card, M&S card, Asda card and a Virgin cardWe are paying these off at the moment, and even though its a while away I got to thinking once they are paid off, how many should I keep and which ones?Asda rate is shocking 24% but thought if I kept this one to do my shopping at asda on (which is where I do my food shopping) you get points on it and then asda vouchers once a yearVirgin rate is 15% I think off the top of my head, I read somewhere if you book a virgin holiday on a virgin card you get 10% discount? not sure if that is true lol but if it is great cos we want to go back to new york when we are debt free and I love virgin planes so we would go with themLloyds 17% I think, no benefits to itM&S I think the rate is about 15% again you get M&S vouchers for spending on the card, but I dont live that close to a M&S so am rarely there?I was thinking of keeping two? the virgin card and the asda card? i know the asda rate is high but if I pay it off each month and only do my shopping on it then the rate doesnt matter does it?

Posted on May 29, 2010 at 1:16 pm Probably the two I'd keep too. MBNA cards have a history of repeat offers, and if you apply for any other MBNA card in the future, you can transfer your limit across from the Virgin card. </br>