Credit Cards and Balance Transfer Credit Cards

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!

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.

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, Cheap Credit Card And Credit Cards Online all from Brokers Online

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.

Hot Topics

How can I keep my credit card secure?
Like anything, a credit card can be stolen or used without your knowledge, so follow these simple rules to keep your credit card secure:

How can I protect myself when buying online?
As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.

Why would my credit card application be turned down?
There are many reasons why your credit card application could be turned down, and these reasons vary between all credit card issuers.

What is credit scoring?
Most of the major credit card companies use their own credit scoring systems â€“ normally but not always in conjunction with a credit rating from a credit reference agency.

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.

Why is it worth making a Balance Transfer?
If you have a large outstanding balance on one or more credit and store cards â€“ you will undoubtedly be able to save money by transferring your balance to another credit card.