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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 You Should Compare Credit Cards Before Applying You have been pre-approved for a low interest credit card with a typical APR of 12.5%, and an introductory rate of 7% for the first three months. There's an application fee of £25, and an annual membership fee of only £22.50. Does it sound like a good deal to you? 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. 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. 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? Which Credit Cards Should You Avoid? According to statistics in a recent survey, less than half of those who apply for a credit card shop around at all. They either accept the credit card offered by their bank or another organization, or they fall prey to a credit card advert that lands in their post box. Is that any way to find the best credit card deal? 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. 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. 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'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?... 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 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. 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. What is a Platinum Credit Card? You may have heard one of your mates boasting that they've been approved for a platinum credit card and wondered exactly what all the hullabaloo and fuss is over. 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 What Are The Best UK Credit Card Deals At The Moment? Get ready for some changes in the face of the UK credit card market this summer. Several major companies have announced changes in their best deals on balance transfer credit cards or lowered their typical rate on their most popular products. 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. 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. 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. 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! 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. 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. 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. Is Credit Card Debt In The UK At An All Time High? If you read the newspapers, it's hard to avoid the pundits of doom. We've become a nation of debtors, they say, and the road to the debtors prison is paved with plastic. 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? 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. How your Credit Rating Affects your Credit Card Application When you apply for a credit card, one of the factors that come most into play in whether or not you are approved is your credit rating. 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%? 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. 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. 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. 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 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? 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. 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.
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