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Credit Card Rules Everyone Should Follow

Credit cards play a big part in many people’s everyday lives and used well and responsibly, they can be useful and efficient tools. But all too often, they can become dangerous. Some people build up large balances, which attract high interest rates and become ever harder to repay. To avoid this scenario, there are some basic guidelines that everyone can follow to make the most of credit cards and work them to their advantage. Firstly, choose the right card by comparing credit cards at Don’t be distracted by special offers and gimmicks and check the underlying interest rate (the APR) instead. Some...

By admin | November 17, 2012 | Read More

Don’t get punished for NOT using your credit card

Most of us are well aware of just how convenience and flexible it can be to use a credit card to make purchases. However, the global credit crunch has changed our spending habits in many ways, and quite rightly many of us are now nervous about using our credit cards and getting into debt unless there is a real need to do so. As a result of this many people are simply deciding to put their credit cards to one side and use them only in an emergency. For some lucky people a financial emergency that warrants the use of their...

By admin | November 23, 2009 | Read More

Yes You Can Lower the Cost of Your Credit Cards

In the past credit card companies have raised customers’ credit limits unbeknownst to them, sent them checks they can use to transfer balances and have charge exorbitant interest rates on balances. This is about to come to an end with the plans the UK government has in place to crack down on the ruses used by these companies that lead to consumers going farther into debt. The practices of the companies have come under criticism in the past and with the many critics of the policies they use, the government is starting to pay attention to the complaints of consumers. Cliff...

By admin | November 10, 2009 | Read More

Annual Fees May Be Coming for Credit Card Holders

With the government clamp down on the credit card industry in the last months, credit card companies are poised to charge an annual fee for the cards in order to recoup some of the losses that they have incurred. The Internet bank EGG recently released a new credit card that had an annual fee of £12. It gave indications that other banks are set to follow suit. Peter Harrison of the price comparison site, said that right now Egg is the only credit card company to issue a card with an annual fee, but this is likely just the “tip...

By admin | July 26, 2009 | Read More

The End Of The 0% Deal? Lifetime Balance Transfers May Be The Answer

Since the credit crunch began to bite, the overall number of 0% balance transfer offers has dropped dramatically. ‘Credit card tarts’ are finding it more difficult to find good deals out there. Not only are there fewer providers offering the deal, but the deal terms are getting shorter on average. Also, nowadays there is no such thing as a fee-free balance transfer. Average fee tends to be around 3% which is added on to the debt. In real terms, this equates to an interest rate of 5.7%. So it isn’t really no-interest, but low-interest, with transfer fees subsidising the cost...

By admin | July 24, 2009 | Read More

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What You Need to Know About Payday Loans

It’s highly likely that one day, you’ll be faced with an emergency situation that requires fast cash to remedy. This could be to cover emergency holiday or Christmas expenses, for instance. Payday loans can cover such costs on short notice: they are easy to apply for and cater to your personal circumstances, as well as your ability to repay the cash advance. As long as you are over the age of 18, a UK resident with regular income and in possession of a UK bank account, you will be able to qualify for a payday loan. Depending on your circumstances, a payday...

By admin | October 29, 2013 | Read More

How to Use a Credit Card to Restore Your Credit Rating

An increasing number of people have realised the importance of their credit history and credit score over the past few years. With more and more people suffering financial issues that have led to their credit status being damaged, an increasing number of people have realised just how big an impact their credit score actually has on their financial futures. While many may have realised this, some are unsure as to how credit ratings work. It is important to remember that even if your credit rating is low, it can be improved. There are a number of ways in which you can work...

By admin | July 9, 2013 | Read More

How Can a Student Bank Account Help You Avoid Debt?

Being a student right now isn’t very easy, given the tuition fee rise and the general malaise that comes with economic depression. Having a student bank account is essential for survival at university, as this article aims to show you. Figuring out which the best student bank account is when you get to university should be one of your top priorities. This article goes over some of the benefits and advantages of having a student bank account and how it can help you avoid debt. What’s so special about a student account? The main difference between a...

By admin | May 10, 2013 | Read More

Play safe – have fun for free in exchange for providing your credit card details

When you register online to use any reputable gaming site, the chances are that you will need to provide proof of your identity. The most common way of proving you are who you say you are is by giving your credit card details. All Gambling Commission licence holders employ stringent customer identification policies and procedures to ensure that customers are over the legal gambling age and to guard against fraud. You can still play games for free and no money will be withdrawn from your account until...

By admin | April 5, 2013 | Read More

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We are affiliated with a wide range of leading credit card providers in the UK, making the process that requires you to search, compare and apply for your new credit card a relatively simple and rewarding experience. A search of our site will also reveal a huge selection of informative articles that are exclusive to readers at Credit Cards Web. Please use the contact us form if you have any questions or comments regarding the site.

By J. Kenny | August 28th, 2008