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How Are Balance Transfer Credit Cards Shaping Up?
Balance transfer credit cards continue to enjoy considerable popularity, particularly among borrowers needing to move outstanding balances around in the hope of avoiding punitive interest.
But how are these cards shaping up in today's difficult credit landscape? This credit card guide looks at the changes balance transfer credit cards have been making over the last few years, as well as exactly what deals are on offer today and where the balance transfer market seems to be heading. Read the full story »
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How to Get a Cheap Credit Card Deal
This credit card guide on how to get a cheap credit card deal is essential for helping avoid financial trouble later. Each credit card has its own characteristics, suited to specific purposes - e.g., 0% balance transfer credit cards against 0% purchase options.
So it really pays to take time researching what's available and right for you.
Reading Russell Cavanagh's guide on how to get a cheap credit card deal, then using our credit card comparison tables, will help you identify the right deal with confidence. Read the full story »
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Set up Your Financial Future with a Student Credit Card
First year students will be excited about studying in fresh surroundings and making new friends. It's also a great time to sign up for a student credit card in anticipation of a bright financial future.
Student credit cards offer advantageous features not found on mainstream cards as the companies gamble that graduates will become well-paid professionals remaining loyal in their borrowing.
Student credit cards also help budget on a tight income while laying foundations on which to build a good credit history for later life.
This credit card guide examines the benefits and features on offer with student credit cards. Read the full story »
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Compare 0% Balance Transfer Credit Cards and Heal Your Finances
If you haven't moved your current credit card balance to a promotional rate yet - now is time to do it.
Competition between credit card providers is as heated as ever, with many extending 0% periods to record lengths just to vie for new custom.
Taking advantage of these now even more lengthy 0% interest free periods can mean the difference between saving - or paying out - hundreds of pounds in interest charges, as well as the opportunity to get debt free so much quicker. Read the full story »
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How to Get Your FREE Credit Report
Credit reference agencies now offer instant access to credit reports online - and the report can be accessed online as many times as you need to. Customer service help lines are also available if you need to notify the credit reference agency of any mistakes or queries.
If information is incorrect or there are even cases of fraud displayed on your file it can damage your credit score and lenders will be less willing to accept your credit applications. By accessing your credit report you can make sure the information on your credit file is all correct and up to date. It can also help to prevent identity theft or identity fraud.
In this credit card feature, find out how to get free access to your credit report online, free e-mail notifications if anything changes on your credit report - as well as free contact to the credit reference agencies customer service to make sure all the information on your credit report is correct. Read the full story »
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10 Ways to Compare Credit Cards That You Never Thought of Before
Introductory rates, APRs, cash back, reward schemes - all these things are important to look for when comparing credit cards, but what might you overlooked?
There are many important factors to take into consideration before you compare and apply for the right credit card.
As well as hidden fees and charges, have you sat down and really thought about what you want a credit card for - how you will be using your credit card - and where you need to be saving the pennies - or making the pounds? Read the full story »
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Compare Instant Decision Credit Cards Before Applying Online
Instant decision credit cards have taken off in the past few years, with the development of secure technology allowing people to submit their personal details and get a decision on a credit card application in seconds.
Many issuers offering the ability to sign the credit agreement during the online application have also speeded up credit card applications.
However, it's necessary to compare what is on offer with instant decision credit cards, and be aware that quick access to a credit card is not going to be as important as getting the very best deal for your current borrowing needs. Read the full story »
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World MasterCard - the Next Big Thing in Travel
World MasterCard is a unique new credit card from MasterCard and is currently up and running with Capital One.
Aimed at the more financial savvy consumer the World MasterCard comes with a ream of services and benefits on top of anything the issuing bank chooses to offer.
Issuing banks must also offer a reward scheme on any World MasterCard. Capital One's World MasterCard offers cash back.
With World MasterCard proving to be a hit in the US, it's sure to be not too soon before other banks start offering World MasterCards in the UK and open up the choice of rewards. Read the full story »
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Egg Credit Card Back on Track with 0% for 15 months
160,000 customers were left high and dry without a credit card account when Egg cancelled them all amid a policy change on acceptable customers after banking giant Citi was successful in a takeover bid.
Things got worse when the once chart-topping credit card shortened its 0% on balance transfers to just 13 months, leaving it in the midst of a very standard card offering.
But now re-launched, Egg seems to have settled down to life under Citi and is back on top with a deal to rival the best of the balance transfer best buys. Amy Rich finds out more. Read the full story »
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Credit Card Security: Just How Much do they Offer?
Online shopping and cardholder-not-present credit card use is on the rise as more and more people enjoy the convenience of shopping from home either over the Internet or by phone orders.
But it's these "cardholder-not-present" uses and Internet transactions that can present a weakness in the safety of your credit card details.
Credit card companies are constantly implementing new ways to cut down on credit card fraud and increase the security you have over your details and money.
But just how much credit card security is on your card and what is your issuer doing to protect your cash? Read the full story »
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Virgin Holds Out for No. 1 Balance Transfer Best Buy
The Virgin credit card topped the balance transfer best buy tables in 2007 and it’s set to do the same in 2008 too. With a 0% balance transfer deal for 15-months, Virgin credit card remains the unrivalled choice for managing your money. Read the full story »
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How many more miles could your weekly Tesco trip be earning?
Just how much further could you be flying on your Tesco Clubcard points than with BA Miles or AirMiles™? Amy Rich churns the calculations and reveals that converting Tesco Clubcard points can in fact see you flying three times further than with BA or AirMiles™. Read the full story »
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Section 75: Are You Already Covered?
Section 75 holds credit card companies equally liable with the supplier if you ever buy something that's mis-sold, faulty, damaged, or doesn't turn up. But with credit card companies wooing new customers with the lure of 'extra' purchase cover, are you being sold something you already have? Read the full story »
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Egg Credit Card: Is it still worth applying?
While Egg has clearly lost points in the customer confidence ranks, they are still topping the best buy tables for 0% balance transfers. But is Egg still a bank we can trust in? Read the full story »
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How to stooze off your groceries
Credit cards are all about the offers - use them wisely and you really can be quids in. Find out how to turn a profit on your monthly grocery budget by borrowing low and saving high! Read the full story »
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Protect an acre of rainforest for less than the price of an iPod
The world is in dire need of our help, and what may come as a surprise to most, is that an acre of rainforest can be protected for the next 25 years for less than the price of an iPod. Read the full story »
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Does your Reward Credit Card Live Up to its Name?
If you've previously been tempted by the lure of point based reward schemes, is your reward credit card earning you a plentitude or a pittance? Read the full story »
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Make your New Year stretch to 15 months with 0% interest!
If you've pilled on a few pounds this Christmas - and we're taking about your credit card balance - now could be a good time to re-arrange your finances and start the New Year with the promise of financial savings instead of financial woes. Read the full story »
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Which Reward Credit Card is Right for Me?
The perfect reward credit card for you really depends upon your lifestyle choices and personal preferences. There is a vast array of reward credit cards on offer, covering almost every niche from BMW owners to book worms. Read the full story »
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Which Balance Transfer Credit Card is Right for Me?
The whole point of going through the process of getting a balance transfer credit card is to save you money, so it stands to reason how worthwhile it is to make sure you're taking out the best balance transfer deal for you and your finances. Read the full story »
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Who's After Your Money this Christmas? The credit card culprits revealed!
As the run up to Christmas gets underway it seems certain credit card companies have been implementing new ploys in an attempt to pocket some of your Christmas spending money. We reveal the credit card culprits and show you how to tell the Santas from the Krugers! Read the full story »
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MBNA Platinum Plus Credit Card, and Making Money through Stoozing
As MBNA re-launch their 'Platinum Plus' credit card with an overt advertisement for cardholders to 'stooze' - we couldn't help but take a particular interest in the reasons behind why MBNA have decided to openly allow cardholders to make money from them. Read the full story »
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5 Ways for Students to Better Manage Money and Credit Cards
Students typically have very limited financial resources over a protracted period of time. So students should make a particular effort to ensure that they box clever with regard to their credit and expenditure.
An important part of student financial strategy should be to examine your credit card options, and making sure to choose the one which works best for you... Read the full story »
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What they forgot to tell you about 0% promotions
Credit cards offering 0% interest rates on balance transfers and purchases may seem like a great idea, and if you're careful to pick the right card, and use it wisely, the benefits are huge.
However, there are a few terms and conditions that you should be aware of, that will help make sure your money stays in your pocket and you get the most from your credit card... Read the full story »
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Top 10 secrets for avoiding balance transfer pitfalls
Read our top 10 secrets on how to keep balance transfers saving you money rather than lining the pockets of your credit card issuer... Read the full story »
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Credit cards and cash transactions
Find out the do's and don'ts of cash withdrawals and purchasing foreign currency or traveller's cheques with your credit card... Read the full story »
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Avoid the February pinch with a 0% credit card
...a very effective solution available for consumers that want to be able to spread the cost of Christmas and New Year without having to line others' pockets through hefty interest payments. By transferring your credit card balances to a 0% credit card deal after the Christmas period... Read the full story »
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Lighten the load at Christmas with a 0% purchase credit card
Are you already dreading your January credit card bill? Did you know you can spread the cost of Christmas over the coming year, and it won't cost you a penny?... Read the full story »
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How to save money with a credit card
...enjoying the benefits of a credit card needn't cost you anything providing you are sensible and you know just how to make the most of your credit card without incurring costly charges and interest fees... Read the full story »
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0% balance transfers vs. life of balance transfers
If you have outstanding credit card balances, balance transfer credit cards can be a great money-saving tool to help you clear up your existing card debts and get back in control of your finances... Read the full story »
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Get a free balance transfer
Find out how to get yourself a free balance transfer and start saving money today!... Read the full story »
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Let your spending benefit others
...many charities rely on donations from the public, and even the smallest regular donations can go a long way to helping these charities to provide valuable services and assistance to those in need. So, how can we make it easier to remember to make our donations to our favourite charities?... Read the full story »
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Ditch your store card! Get a retail reward credit card
...If you do enjoy shopping and you want to enjoy the convenience of a card without the hefty interest rates charged on store cards, then you could benefit from a retail rewards credit card. These payments cards are ideal for shoppers, and will enable you to enjoy discounts with a range of retailers whilst enjoying the convenience of paying by card... Read the full story »
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How to make money from your reward credit card
...with a range of credit cards on the market offering an array of rewards - such as cash back, discounts, points, and air miles - you can enjoy a range of savings whenever you spend on your reward credit card... Read the full story »
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Calculate your credit card reward earnings
...If you are looking for a fast, easy, and convenient way to determine which is the best rewards based credit card for you, then look no further as you can now do this with ease and convenience from the comfort of your own home... Read the full story »
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Get an instant decision when you apply online
Instant decision credit cards make applying for a credit card even easier, offering online application forms and instant decisions when you apply on the Internet... Read the full story »
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Choosing a credit card for shopping online
When it comes to choosing the right credit card to use for online shopping it's important to know you are using the best card for the job. Find out what questions you should be asking when choosing a credit card for shopping online... Read the full story »
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Shopping online with your credit card
Check out our guide to shopping online with your credit card and how they can keep your money and your purchases safe. Plus, top tips on how to keep online spending safe and how to get the most for your money online... Read the full story »
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Our guide to shopping abroad (with your credit card!)
Our guide to shopping abroad with your credit card aims to answer all your questions and tell you the best ways to shop while you're abroad!... Read the full story »
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Foreign transaction fees on credit cards
Find out about foreign transaction fees that are charged when you use your credit card abroad... Read the full story »
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How to improve your credit score
Improve your credit score with the right credit card; designed especially for people with a poor credit history or no credit history at all... Read the full story »
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Avoid being turned down - know your credit score!
...check your credit file prior to making an application, and then take steps to try and improve your credit wherever possible before you make your application. This will minimize the chances of rejection, so you won't have to risk another black mark on your credit file... Read the full story »
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Prepaid cards
Prepaid cards are like the 'pay-as-you-go' card of the debit and credit card market. You top your prepaid card up with cash and then you can spend it exactly how you would use a debit or credit card... Read the full story »
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Visa credit cards
Visa credit cards offer exceptional convenience and reliability and can be used throughout the UK and around the world to pay for purchases at thousands of locations and to withdraw cash at ATM machines... Read the full story »
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MasterCard credit cards
MasterCard credit cards can be used around the world in thousands of retail outlets and cash machines where you see the MasterCard sign. A MasterCard credit card offers the assurance of worldwide acceptance and it is easy to get help... Read the full story »
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