0% purchase credit card deals allow you to spend money without incurring any interest for a limited time. This makes them ideal for things you want to buy now and pay back later, as well as a good ‘safety net’ for any unexpected costs (e.g. car repairs). You’ll still have to make a minimum monthly [...]

0% balance transfer cards don’t charge interest on any balance transferred from another card for a limited period. These deals are popular with people who want to repay their debts more quickly, or stop interest building up on existing debts. You can still spend money up to your credit limit using 0% balance transfer credit [...]

If you’re looking to get a little bit more out of your credit card, there are a number of cards offering cashback or other rewards for every pound you spend. Rewards on offer can include Airmiles, money off your shopping (particularly popular with supermarkets’ own credit cards), days out, vouchers and discounts on petrol. Advantages [...]

If you have a bad credit history or have struggled to get credit in the past, a bad credit credit card deal could be what you’re looking for. Using your new credit card properly will demonstrate to future lenders that you are a responsible borrower – so it could be a doorway to better credit [...]

If you have a good credit rating, you may qualify for a low-interest credit card deal. These credit cards offer much lower interest rates than you’d usually find, meaning they could cost much less over time. An advantage of low-rate credit cards is that the low rate does not usually expire (unlike 0% interest deals). [...]

A poor credit rating can impact one’s ability to buy a new vehicle on a payment plan. In addition, a poor credit rating will usually limit the types of vehicle someone is able to buy. Most car dealerships will only offer used vehicles to people with a poor credit rating. However, there are many advantages [...]

Have you ever thought about how Santa pays for Christmas? I’m sure you didn’t as a kid, but adulthood evokes financial realities, and while you could rely on a bit of North Pole magic, you could also take advantage of the many attractive offers that currently exist in the credit card space, which have the [...]

In short, you can establish a good credit history by consistently paying your bills on time. Remember, to establish a good credit rating you should always pay at least the minimum amount due every month by the due date.

Establishing a good credit history is an important part of your personal and financial future. It can help open doors for you or keep them locked. A variety of people and businesses make decisions affecting your future based on your credit history. Banks and other lenders consider your credit report when reviewing applications for mortgages, [...]

When you apply for credit, the lender reviews your credit report before approving your application. Think of a credit report as a resume. It details how well you have paid your bills and used financial tools such as credit cards and checks. Just like a report card or a resume, a credit report is used [...]