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Credit Card Guide

Credit card news, guides and advice

Best Buy Credit Cards

virgin credit card
0% on balance transfers
for 16 months (2.98% fee)
0% on purchases for 3 months
% APR
mbna platinum rewards credit card
0% on balance transfers
for 13 months (2.9% fee)
0% on purchases for 3 months
% APR
egg credit card
0% on balance transfers
until 1 August 2010 (3% fee)
0% on purchases until 1 October 2009
% APR
halifax credit card
0% on balance transfers
for 9 months (3% fee)
0% on purchases for 9 months
% APR
american express platinum credit card
Up to 5% cash back
on all purchases
% APR
capital one classic credit card
Rebuild a poor credit history
% APR


Top 5 credit cards to see you through the credit crunch

Top 5 credit cards to see you through the credit crunch

If you're looking for a credit card it can be difficult to know what's still available and just how good those deals are.

There are still many credit cards offering some of the UK's best ever deals, whether you're still looking for your New Year's balance transfer resolution, or to start earning a little money back with a cash back credit card.

Claire Stevenson takes a look and gives a rundown of the top 5 credit cards in this credit card guide. Read the full story »

How Are Balance Transfer Credit Cards Shaping Up?

balance transfer credit card guide

Balance transfer credit cards have held a popular foothold in the credit card market over the last decade, and since they were first launched have constantly gone through changes.

In today's current financial climate however, balance transfer products seem to be undergoing changes more rapidly than ever, and this credit card guide explores the facts and figures of each change and the good and bad changes we're currently seeing.

Russell Cavanagh takes a look through the ever-expanding 0% periods as well as the increase of handling fees, and much more in between. Read the full story »

How to Get a Cheap Credit Card Deal

cheap credit card guide

While the credit crunch has seemingly upped many rates and fees charged by credit card providers, there is still a range of very competitive credit card deals available.

This credit card guide explores the different varieties of 'cheap' credit card depending upon your own financial needs, be it a cheap balance transfer now or cheap rates for long-term spending.

Russell Cavanagh points out the different credit card users and their ideal cheap credit card. Read the full story »

Credit Card Guides »


Our look at the credit card news

Changing credit cards could make Holidays more Affordable, report finds

8 June 2009

According to a recent credit card guide report, the right credit card could mean the difference between Margate and Mexico. There are some credit cards that can offer cheaper holidays abroad.
Read the full story »

Credit card companies still increasing rates

9 May 2009

Controversy is rife when it comes to the interest rates credit card companies charge borrows, and this even became a particularly hot topic when the government made warnings for fairing and more responsible lending by the credit card industry.

Despite the base rate dropping to a record low of just 0.5% it seems credit card companies are still pushing through rate hikes, and some of the banks to be named and shamed include HBOS, MBNA and Nationwide. Read the full story »


Lloyds TSB in the firing line for credit card gambling promotion

7 May 2009

Leading high street bank, Lloyds TSB, has found itself at the centre of controversy regarding letters it's been sending out to its credit card customers.

Many debt charities and campaigners have hit out at the bank after it was revealed they had sent out letters encouraging credit card customers to use their credit for transactions such as gambling.

Politicians are also in outrage, with calls for some senior staff at the bank to resign. Read the full story »

Credit card companies face government restrictions

5 May 2009

Government plans to place further restrictions on the credit card industry has been revealed and is explored in this credit card guide.

New restrictions are being sought to continue the promotion of responsible lending and to try and avoid consumer debt increasing.

Of the new restrictions includes stopping credit card providers from increasing credit limits and sending out credit card cheques without a prior request from the cardholder. Read the full story »


Credit Card News »
Credit Card News Round Up »


Answers to your questions about credit cards and how they work

Q. How long do I have to repay my balance before I'm charged interest?

A. Knowing how long you have to repay your credit card balance before interest kicks in is important when avoiding needless expense.

Different credit cards have similar rules, yet their differences can be confusing at first glance.

What are the consequences of missing repayment deadlines and how do interest-free periods actually work?

In this credit card guide FAQ Russell Cavanagh examines these issues ... and more. Read the full answer »

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Other recent questions:

Q. What transactions are included in the standard interest rate or APR?

Q. What fraud security will a credit card offer?

Q. How can I transfer money to a current account?

Q. How much am I required to pay back each month on my credit card?

Credit Card Frequently Asked Questions »