Credit Cards,
Cheap Credit Cards,

Balance Transfer

This Weeks Top 4 Credit Card Offers

We specialise in finding the weeks' top offers from the UK's biggest credit card companies - saving you endless time trolling around lots of sites making mind numbing comparissons

Use the following links to check out the offers.

We recommend that you check out all 4 as the offers and the benefits will vary considerably - but at least one will be spot on for you !

When you have visited each page, return here for your next quick link.
When you have decided which credit card is best for you – you are ready to make
an application.

Scroll down for TOP TIPS for choosing Credit Cards

Top tips for choosing credit cards

Balance transfers – avoid paying interest by switching credit card providers before the introductory low or 0% interest rate runs out.

Interest rates – be careful as some offers only relate to balance transfers and not new purchases. Ideally you want a good introductory rate and a competitive ongoing rate. When comparing interest rates always use the APR (Annual Percentage Rate) because this allows you to make like-for-like comparisons. By law, companies have to publish their APR.

Annual Fees – never choose a credit card that charges an annual fee – most of the newer, more competitive cards don't charge them.

Cash withdrawals – most credit card companies charge around 2% a month for drawing out cash using a credit card, representing poor value for money.

Using your credit card abroad – credit cards are very handy to use abroad however there will be charges and catches similar to those that apply when withdrawing cash, so be sure to check out the small print, and your alternatives, in advance.

Loyalty schemes – these kinds of credit cards are only really worth it if you use your credit card on a regular basis, otherwise the benefits of extra points or cash back will be marginal.

Insurance – this can be a useful benefit and many major credit card companies offer free insurance on any goods over a certain amount bought using their card. You can also get free travel insurance with some credit cards.

Did you know?

On June 29th 2004 the Bank of England announced that UK debt stands at £993bn, just short of the £1 trillion milestone, now expected next month.
There are more than 90 million credit, debit and store cards in the UK.
Approximately half of the UK population owns a credit card having, on average, two cards each.
50% of those who have a credit card pay the balance off in full every month.
The average balance of a UK cardholder is £1,140.
Approximately 13,000 credit cards are stolen in the UK and Ireland on a daily basis.

Hot Topics

What APR (Annual Percentage Rate) will I receive?: APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.
Will I have to pay interest each month?: You can avoid paying any interest by always paying your balance in full and on time each month.
How do I make Cash withdrawals?: You can withdraw cash from any cash machine, just like you can withdraw cash from your own bank account.
Can I Have An Additional Cardholder On My Account?: You can have one or more additional Cardholders on your credit card account with most companies.
What is a Balance Transfer?: Transferring balances has become a popular and easy way to consolidate multiple card balances in one place, while simultaneously making significant savings on interest payments.
How much can I Balance Transfer and how long does it take?: Most credit card companies will only allow you to make a minimum of £100 balance transfer either from or to your credit account, because of the administration involved.
My Credit Card is lost or stolen. What should I do?: If you cannot find your credit cards you need to report them as lost or stolen using the emergency number provided by your credit card issuer, this will be a 24 hour/365 days a year number. If you have more than one credit card you will need to ring all the separate companies.

Bad Credit history?

Don’t let a bad credit history stop you from getting a credit card. If you have any of these problems you will still be able to get a credit card:

Mortgage Defaults or Arrears
Adverse Credit and Finance
Poor Credit History
CCJ's
No Proof Of Income

Credit Card Authority Sites

Credit Card Articles

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