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Credit Cards
How to Get Accepted for a Credit Card: A Step-by-Step Guide
So, you’ve found a credit card that suits your needs—what’s next? Applying for a credit card may seem straightforward, but ensuring your application is successful requires careful planning. Here’s a step-by-step guide to help boost your chances of getting accepted for a credit card. 1. Be Honest on Your Application When completing a credit card …
Understanding Different Types of Credit Cards: Which One is Right for You?
When people think of credit cards, they often picture a simple piece of plastic that lets them spend money they don’t have. However, credit cards come in various types, each offering unique features and benefits. Knowing the pros and cons of each type can help you choose wisely and avoid falling into debt. 1. Balance …
What Is A Credit Rating?
Your credit rating is a score that lenders use to assess your risk. A common misconception people have is that their credit score is universal. In truth, all lenders will view you slightly differently. When you apply for a credit card or loan, the lender will have a unique ‘scorecard’ that they will judge you against. …
How To Choose The Best Credit Card
Before reading this article it’s probably best to read our guide on different card types. Also, if you read our other guide on how credit cards make money you can improve your understanding about what makes each of these cards tick. Firstly, there’s no such thing as ‘the best credit card’. What you need to …
What Is A Balance Transfer Credit Card?
If you’ve spent any time looking at credit cards, you’ll no doubt have seen the phrase ‘balance transfer’. This article explains exactly what this means. As explained in our guide to different credit card types, balance transfer credit cards make up the majority of new credit card sales in the UK and there’s a good reason …
Easy Ways To Boost Your Credit Rating
Your credit rating can go up and down. One week you can be a lender’s dream; the next your rating can look quite different so it’s important you look after your credit rating. If your rating isn’t currently where you think it should be, there are some things you can do to give it a …
What To Do If You Get Declined For A Credit Card
We’ve all been there. You think you’ve found the perfect credit card, you’ve done your research. You fill in the application form and, bang!, “unfortunately your credit card application was declined.” It’s not a nice feeling. Firstly, don’t panic; credit declines are just a part of life and how you handle the situation could determine …
How Credit Card Companies Make Money
Credit card companies make loads of money; by developing your understanding of how they do it, you can gain the upper hand. …On Balance Transfer fees Some balance transfer cards charge a fee when you perform the actual balance transfer. This is always clearly highlighted in the product features. The general rule is that the …
Best Free Credit Score Sites
If you’re serious about being smart with credit cards you should ensure you have a good idea of your credit score at all times. Credit scores can go up and down all the time. For more info read our Guide on Credit Ratings. In the UK there are a few places where you can get your …
