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 is Credit?: Credit is an extremely useful way of paying for goods or services at a later time, usually paying interest as well as the original money. Offering real convenience, you can choose how to pay back credit in the way that best suits you.
Where can I pay my balance?: You can pay your balance in a variety of ways, choose whichever best suits you:
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.
Can I use my card abroad?: Using a credit card abroad is an easy way to make purchases of any kind as it saves you from carrying large amounts of cash around.
What is the new Chip and Pin system?: The new Chip and PIN initiative is a system being introduced in the UK in 2004 to reduce counterfeit and stolen card fraud.
Why is it worth making a Balance Transfer?: If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.

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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