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All content on this site are not intended as a true representation of actual events but fantasy and parody, not representing reality, real events or real persons. The content of the website may be used exclusively for non-commercial, private purposes.Barclaycard Initial (0pc for six months) and the Luma Credit Card (0pc until October 2014) offer interest-free deals to people without a credit history.But the interest is ramped up to around 35pc after the offer period ends, so watch out.When APR is ‘representative’ it means only 51pc of accepted applicants - those who are actually accepted for a credit card - must be offered the advertised rate.Lenders can reject as many applicants as they like.