Spending on store cards falls again as personal loan and credit card lending also see declines in spending, latest figures show.
How to be a savvy spender
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My best financial decisions of 2012
This year has seen many things, the Diamond Jubilee, London Olympics and Obama re-election but for me, it has also meant taking my first steps into the credit card market.
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Make these Christmas cashback queens work for you
With less than a month remaining until Christmas and the subsequent Boxing Day sales, we tell you how cashback cards can put money back in your pocket.
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Four ways to keep your Christmas spending in check
With Christmas Day fast approaching, now is the time for shoppers to start looking at ways to save on their expenditure. We show you four options.
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Don't miss out on these brilliant balance transfer offers
Barclaycard is offering the longest 0% balance transfer deal on the market, as well as offering a partial refund on your transfer fee – for a limited time only!
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Five credit cards to suit all your Christmas wishes
As festive spending begins, savvy people will be turning to credit cards to make their purchases. If you are not one of them, why not try one of these five cards?
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The changing face of credit card rewards
Reward credit cards have been subject to much change in the past two years. Do you know what your plastic gives you for free?
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Why a low-interest credit card could beat a balance transfer card
If you are unable to clear your debt fast and are tired of switching from one deal to another, a long-term, low-rate credit card could be the next best thing.
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How to avoid a Christmas debt hangover
Worried about how much Christmas will set you back this year? We've got some top tips to ensure the only hangover you'll have is an alcohol related one.
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How paying off only the minimum will cost you thousands
If you only pay the minimum monthly repayment on your credit card, you'll pay enormous amounts of interest and be in debt for years as the minimum amount is set way too low.
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Sniffing out the latest news?
Lazy credit card users pay high rates
Many credit card users are missing out on the most competitive spending or 0% interest deals because they are too lazy to switch providers.
On the cards: loyalty points to pay for Christmas
Four out of ten Brits will use accumulated loyalty points from reward cards to help pay for Christmas, according to new research.
Ryanair in row over controversial credit card fee
Customers of Ryanair will be hit with two new charges today, including a credit card fee that it blamed on new rules, which the regulator disagreed.
...our six of the best
close show all six picks-
Balance TransferBarclaycard Platinum with Extended BT
- Why we like it:
- No interest to pay for 24 months – the best around
- Tag it to your mobile to make contactless payments
- Watch out for:
- Transfer fee of 3.2%
Representative eg: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable) -
Balance Transfer & PurchasesBarclaycard Platinum with Purchase
- Why we like it:
- No interest to pay on balance transfers or purchases for 14 mths
- Make contactless payments with a Barclaycard PayTag
- Watch out for:
- Transfer fee of 2.9%
Representative eg: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable) -
PurchasesTesco Clubcard Credit Card
- Why we like it:
- 0% on purchases for 16 months
- Doubles up as a Clubcard for extra shopping rewards
- Watch out for:
- Only for those with a good credit score
Representative eg: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable). -
Low Standard RateSainsbury´s Low Rate card
- Why we like it:
- Only 6.9% with no end date
- Same low rate for purchases and balance transfers
- Watch out for:
- You must have a good credit rating
- Don´t take out cash with it – the rate is 24.93%
Representative eg: If you spend £1,200 at a purchase interest rate of 6.95% (variable) your representative APR will be 6.9% (variable) -
Credit BuilderCapital One Visa Card
- Why we like it:
- Aimed at getting those with a poor credit rating back on track
- Low credit limit (£200 - £1500) helps prevent you getting into trouble
- Watch out for:
- Same high rate of 28.9% applies to balance transfers
Representative eg: If you spend £1,200 at a purchase interest rate of 28.94% (variable) your Representative APR will be 28.9% (variable). -
CashbackAmerican Express Platinum Cashback Everyday credit
- Why we like it:
- 5% cashback in 1st 3 mths (max £100)
- Earn between 0.5% and 1.25% after that
- No annual fee
- Watch out for:
- High APR of 19.9% variable
Representative eg: If you spend £1,200 at an annual interest rate of 19.9% (variable)your Representative APR will be 19.9% (variable).
We know how much you value choice...
So check out all these cards available today!
- Product
- Balance Transfer
- Purchases
- Rewards
- Representative APR (Variable)