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What are Low Interest Credit Cards? One bit of advice you'll often get when you're thinking of applying for a credit card is to look for one with a low rate of interest, or a low APR. It used to be traditional wisdom that your best option in a credit card was always the one with the lowest interest - but not anymore. Are We Seeing The Demise Of The Balance Transfer Credit Card? A few years back, credit card companies realized that they reached nearly every potential new customer. In order to keep increasing their market shares and their profits, they were going to have to entice people who already had credit cards to jump ship from their old companies and apply for a new credit card with them. Use A Bad Credit Credit Card To Repair Past Disasters Use a credit card to get you out of the mess caused by credit cards? If you're trying to repair a damaged credit history, bad credit credit cards may hold part of the key. The trick is all in choosing the right option and using it wisely. Credit Card Applications - The Rights And Wrongs Credit cards are virtually a must-have these days. With more and more businesses paying wages via direct deposit, and creditors preferring direct debit for their bill payments, it simply makes sense to have a credit card to deal with everyday expenses. Balance Transfer Credit Cards - Are They Still A Good Deal? There's been a lot of press lately about the demise of balance transfer credit cards. The reports of their death, to use an old quote, have been greatly exaggerated. Credit Card Consolidation - Make Your Debt Manageable Debt consolidation is a term you'll hear often in the adverts for loans - especially home loans. The idea is to take out a loan large enough to pay off your credit cards and other loans, then pay off the loan at a lower interest rate than you were paying on the credit cards. Cashback Credit Cards - Top Tips For Finding The Right One Did you know that a credit card with a low APR isn't always the best credit card to use for your purchases? How To Use Credit Cards And Beat The Charges We do love our credit cards - to the tune of billions in extra fees, interest and other charges paid out each year, according the FSA. Credit cards can cost you dearly if you're not careful. When Is The Best Time To Use A Low Interest Credit Card? The resident financial experts will tell you that there are times when one credit card is better than another. They offer different features, and many are better suited to being used in one situation than in another - or, to be more precise, you'll get more benefit from using one credit card over another in certain situations. Why Could My Credit Card Application Be Refused? Many people have questions when they apply for a credit card - which is the best for me? How do they decide to give me a credit card? Why do they need to know all these things about me? Are The Days Of Balance Transfer Credit Cards Over? If you follow the financial news and financial pundits, you've probably heard that the heyday of the balance transfer credit card is over - or at least in its dwindling days. What's Best Practise For Using Credit Cards? It's a question that most people who use credit cards might ask - what's the best practise for using a card? Especially if your getting ready to apply for a new card, the question may be on your mind - since much of the advice about choosing a credit card focuses on how you'll use it. Are Charity Credit Cards Good For Charity? Not long ago, Robin Amlot posted a bit of a rant about the charity credit card craze at MSN Money. The rant was on target, as far as it went. If your intent is to donate to a charity, your favourite charity will certainly get far more from your gift if you make the donation directly. Are Credit Cards The Root To All Evil? If money is the root to all evil, say many financial experts, then credit cards are the demon's spawn. For evidence, they point to spiraling debt and the dire reports that the UK has become a nation of debtors who live by the principle of instant gratification. What's The Best Type Credit Card For Expensive Purchases? Finance experts often give conflicting advice, but there's one bit of advice that most agree upon. If you use credit cards, you should watch which one you use for which type of purpose. The one that you use to pay for your day to day expenses is not necessarily the best card to use for your long term purchases. How Can You Reduce The Cost Of Using Your Credit Card Abroad? When you compare credit cards, it may profit you to compare what it costs to use them abroad. Not all credit cards are created equal when it comes to overseas holidays. The balance transfer credit card that has such a great interest rate could sink your finances if you use it abroad. What's the Catch With Credit Card Freebies? You've certainly heard it said that there's no such thing as a free lunch. If you believe that, then you must be eyeing the current crop of 0% balance transfer cards with a wary eye, wondering where you'll find the catch that makes it not so free. What's The Difference Between A Credit Card And A Store Card? Would you like to save 10% on your purchase today by filling out an application for our store credit card?... Why You Should Avoid Just Making The Minimum Monthly Repayment So your credit card accounts come in, and you're looking to be in pretty good financial shape. The minimum repayment is only £35, a walk in the park. You write the cheque, and send it off, content that you've done the responsible thing in paying on your credit card just as you're told. Are Business Credit Cards A Bettor Option To Personal Cards? If you're a small business owner in the UK, you're not alone. There are hundreds of thousands of entrepreneurs, contractors, shop-owners and other businessmen in the UK today. Many of these businesses have just one employee - the owner. Is a Student Credit Card Different to a Normal Credit Card Chances are that if you attend Uni, or are at the age to, you've been deluged with offers to apply for your pre-approved student credit card. What are the Best Credit Card Reward Schemes? It used to be when you wanted to apply for a credit card, choosing the best credit card was an easy thing. Is Being Pre-Approved for a Credit Card Just a Sales Tactic? Congratulations! You've been pre-approved for the best credit card that UK lenders have to offer. All four of them. Or six of them. Or... how many offers was that in your post box this last week? How To Use Your Existing Credit Cards To Reduce Interest Payments How would you like to pay 7 to 10 percentage points LESS in interest on your current credit cards? What do you think it would take to lower the APR on your favorite credit card by as much as 50%? Use a Bad Credit Credit Card to Repair your Credit If you've been struggling with credit problems and trying to mend bent and broken credit, you may feel as if you'll never be able to clear your adverse credit rating. But there is a way! Credit Cards and the Buy It Now Culture What do you do when you see the perfect dress in the window at a shop - but don't have the cash on hand to pay for it? If you're like a growing number of people in the UK, you whack it onto your credit card and pay for it when the bill comes in. Which Credit Cards should you Avoid? Just as there is no best credit card for everyone, there's no single one that stands out as the worst, or one to avoid. It's all about finding the one that fits your needs and your circumstances. Credit Card Basics: Make the Right Choices If you're getting ready to apply for a credit card for the first time, you may be concerned about finding the best credit card. The Hidden Cost of using your Credit Card Abroad If you thought that you were being wise and saving your hard earned cash by using credit cards for your holiday abroad, think again, warns the Saga Group. Cashback Credit Cards vs Reward - What's the Right One? Not sure how to choose between a cashback credit card and a reward credit card? Here are a few hints on how to compare credit cards to help you decide which one is the right one for you. Credit Cards and Debt Lately it seems you can't pick up the paper without reading another bit about how the UK is becoming a nation up to its elbows in credit card debt. Balance Transfer Credit Cards - Top Tips for Finding the Right One Have you got an outstanding balance on a credit card that's draining your monthly spending money with high interest rates? You're not alone. Credit Card Chip & Pin - What's it all about? You can't much pick up the paper or turn on the telly without hearing something about credit card fraud and identity theft these days. That's why the UK credit card market started testing a new type of card back in 2003. How do you Stop Spiraling Credit Card Debt? In today's world, when even the most modest financial transactions are made via plastic, it's easier than ever to get caught up in a spiraling twist of rising credit card debt. Ten Reasons why Credit Cards are so Popular in the UK According to APACS (Association for Payment Clearing Services), in 2004 we Brits charged just about £269bn on our plastic. Cash sales for the same period totaled just about £268bn. Are you Liable for Credit Card Payments if your Card is Stolen? Despite all your care, your credit card has been stolen, and now there are charges outstanding on it that you never authorised. Are you liable for those charges? Why should you get a Credit Report before Applying for a Credit Card? How much do you know about your credit report? Do you know what gets recorded in it, and how your credit report affects you when you apply for a credit card? Here are some things you should know about your credit report. How do you Compare Different Cash Back Credit Cards? When you're looking for the best cash back credit card UK companies offer, it helps to know how to compare one with the other. Usually, when you're shopping for a credit card UK offer, you're looking at how to SAVE money on low interest rates and fees. How many Credit Cards is too Many Credit Cards? Sometimes it seems you can't open the postbox without having a slew of credit card offers and applications slide out into your hand. You are already pre-approved. What are the Most Common Credit Card FAQs Finding the right credit card for you can be a difficult choice that throws up many question. We've captured those below all in one place Will Credit Cards Replace Cash Altogether? In 2005 for the first time ever, plastic purchases topped cash purchases. Are we heading for a cashless society where credit cards replace cash altogether? Why do Some Stores Still Allow you to Sign Rather than Chip & Pin? The new Chip & Pin credit card system has been officially in use for several months now, but in some cases you'll still be able to sign rather than use your Chip & Pin. 10 Reasons why You Should Have a Business Credit Card There are lots of good reasons that you should have a credit card specifically for the use of your business, in the name of your business. How do you Compare Different Balance Transfer Credit Cards? One of the most popular types of credit cards over the past few years is the balance transfer credit card. How do Credit Card Companies Make their Money? Have you ever wondered how credit card companies can afford to offer you cash rewards and airline miles and all the goodies that go with using their credit cards? What's the Ideal Number of Credit Cards to Have? One of the most often asked questions about credit cards is 'what's the ideal number of credit cards to have?' What are Instant Credit Cards? Apply for a credit card online today! Instant approval! Gone are the days of sending for a credit card application and sending it off in the snail mail, then waiting weeks for an approval decision.

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