Our credit reports are something that most of us know exist but until recently many of us had never bothered to take an interest in. It is only since the onset of the global credit crunch, when lending criteria became increasingly stringent and credit conditions became extremely tough, that many people realised that their credit cards had such a huge impact on their financial futures and capabilities. In many cases the damaging data on a credit report is not through the fault of the consumer who report it is but as a result of a mix up or mistake, which the...
By admin | January 3, 2010 | Read More
Every year many of us rush out to buy charity Christmas cards as the festive season approaches, and for many people this is the prefect way to combine giving cards to loved ones and friends to celebrate the festive season and giving to a worthy cause through the donation made from the purchase of the Christmas cards. This method of giving to charity will prove particularly popular in the current climate, where many people cannot afford to give on a regular basis but would be happy to buy charity cards so that the charity in question gets money from their...
By admin | December 10, 2009 | Read More
With the recession still ongoing in the UK and people still struggling to keep on top of their finances many people may be relying on credit cards to fund their Christmas purchases. As always this year has flown by, and many will be shocked when they realise just how close Christmas actually is. For those that do not yet have an affordable credit card for their Christmas shopping it is vital to start the search, as it could take some time to find and receive you r card, and of course you also have to consider that you may not...
By admin | December 6, 2009 | Read More
As part of its overhaul of the financial sector the government has recently announced a number of changes to credit card regulations, and these changes could have a profound impact on consumers. However, whilst the new regulations were brought in to try and make things easier and fairer for consumers there are concerns amongst some people that these regulations could actually end up tipping consumers over the edge financially. Consumer groups have spoken out over the regulatory changes that have been proposed, and whilst some of the changes have been widely welcomed by campaign groups and consumers there are some changes...
By admin | December 3, 2009 | Read More
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
Contactless payments may have seemed like a thing of the future just a few years ago, but today this form of payment is becoming increasingly popular in the UK to pay for lower priced items. For consumers it means that there is increased convenient and no need to worry about PIN numbers and the like. For retailers it means that transactions can be made more quickly, avoiding lengthy queues that can form when customers cannot remember their PIN or have to sign for purchases. According to one recent report many credit card companies are welcoming this contactless technology, which involves simply...
By admin | February 6, 2010 | Read More
Mobile phone giant Orange is set to launch its own contactless credit card in partnership with banking giant Barclaycard. The card will be co-branded and operated by Barclaycard, and will offer customers a range of flexible options when it comes to their credit card use. With the new credit card from Orange customers will be able to set their own spending levels, make purchases for £10 or less using contactless technology, and choose from a range of methods with regards to how they are kept up to date with their accounts. The credit card is set to work in a similar...
By admin | February 3, 2010 | Read More
The no frills budget airline Ryanair has found itself in hot water with the Office of Fair Trading for allegedly applying sneaky credit card charges to bump up costs for customers. The watchdog has slated the budget airline for getting more money from its passengers by applying sneaky credit card charges, and has been accused of ‘taunting customers’ and ‘playing silly games’ by the OFT. The OFT is angry over the £5 per person per flight cost that the airline adds to credit and debit cards, which bumps up the cost of flights by £40 for a family of four people...
By admin | January 31, 2010 | Read More
A spokesperson from the Spanish owned bank Santander has stated recently that whilst many skiing enthusiasts may wonder how they are going to afford to take their skiing trip this year taking out a suitable credit card could be the ideal solution, as this would allow them to make the payment for their skiing trip and then spread the cost over a period of time, in some cases on an interest free basis providing they get the right credit card. This is the time of year when many people start planning their trip to the slopes to enjoy some winter sports....
By admin | January 28, 2010 | Read More

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By J. Kenny | August 28th, 2008