Credit Card Information

UK Credit Cards Information

Credit cards are a finance product used to access a line of credit, allowing you to spend whenever you want. They provide flexibility and convenience, especially when you are away from home. There are hundreds of credit cards to choose from, with a variety of terms and conditions.

What Credit Card is right for you?
Choosing the right credit card can save you a lot of money, based on how you intend to use it and the rates charged. Deciding which credit card to carry is a matter of personal circumstance but points to consider are,

Can you transfer a balance.
What rates are charged.
Are there annual fees.
Any charges for cash withdrawls.
What fees for foreign currency purchases.
Do new purchases have an introduction rate.
Is there an interest free period.
Any cash back or other freebies.
Is it a affinity card supporting a charity.

Remember you are charged interest on any outstanding balances. A cardholder is either billed by the issuer immediately for repayment of the credit used, or more commonly on a monthly instalment basis. Always pay the minimum amount due, this protects your credit rating, but this doesn't help clear balances.
By only paying the minimum amount, you increase the time taken to repay any credit used, this results in increased interest being charged. Obviously, the more you pay off a credit card, the less interest is charged.
Always read the terms and conditions when applying for a credit card so you understand what you are signing up for.

Want a Credit Card?
Competition is fierce as there are a vast amount of card issuers out there, that competition means that there are some good deals and incentives on credit cards for you.
Whatever deals and offers on credit cards you are after, the credit card tools can help cut down the time you spend searching for them.

Use the links below to find credit card issuers and browse through them to find the deals that suit the way you intend to use the credit card, then click to apply for that credit card.

Security with your Credit Card
A credit card is a plastic card bearing an account number, it can be used to purchase goods and services. Cash disbursements can be obtained on credit via cash machines by using a pin number. Advice for credit card usage regarding security is similar to any other consumer credit products,

Always keep your pin secret.
Never use a ATM that appears tampered with.
Beware of fraud.
When purchasing online ensure the sites secure.
Never respond to emails after personal or card details.
Contact issuers promptly upon card loss.
Be aware of identity theft, shred bills before disposal.

The credit card tools above are sourced from affiliate schemes, and none of the information contained in this website constitutes, nor should be construed as financial advice.

If you're after a Credit Card Information, Saber Finance is here to help