CREDIT CARD OFFERS UK

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Select Credit Cards from the above list by Type (Standard, Gold, Platinum), 0% Balance Transfer, 0% Introductory Rate, No Fee, Cash Back or Loyalty Rewards and sort by variable APR, Balance Transfer APR, Best Deal or Card Company (Issuer).

Some Credit Card Tips

The best way to ensure that a Credit Card does not bring you debt problems is to set yourself some rules before you start spending, and if you are clever you can use it enhance your credit rating.

Before buying anything decide whether you really do need the item or just want it really badly. Often after a little thought and time to check your balance you will find that there are other things, which have priority.

Try to keep well within your credit limit so that you still have at least 25% of your spending capacity available at all times. Lenders look closely at the amount of debt you have and your credit score will suffer as what you owe increases.

Hints on Sensible Use of your Credit Card

Always make the minimum monthly payment and try very hard to make the full payment each month or as soon as possible. If you get into the habit of just making minimum payments you will soon find yourself falling quickly into debt.

And of course do not use credit cards to buy things, which you cannot afford, as this is probably the quickest way of getting into difficulties.

There are many great offers on UK credit cards so make sure you shop around and compare for the best deal before you apply and don't forget to check the small print of each application, especially for an interest free card and student or prepaid credit cards. This applies to cards for business or personal use.

How to Use a Credit Card to stop Bad Credit

Being responsible in the way that you use your credit cards will prove to be a great asset as it will help you keep your credit score as high as possible.

This in turn will mean that the credit you currently have will cost you less and when you apply for more credit you will be offered a low interest rate and larger loan amount, which will be especially important if you want to apply for a larger loan or mortgage at some time in the future.

Also if you have already got into bad habits there is always still time to change and this will have a positive impact on credit status.

Set up reminders to make sure you never ever miss a monthly payment! This is extremely important to your credit worthiness and will help you maintain your credit rating.

If you really can’t make a minimum payment against your credit card statement then you must let your credit card company (eg Virgin, Capital One, Amex) know well in advance. If you communicate with them they will try to help you and by doing this you will help yourself too. Just ignoring the repayment will not impress them and as a result they may not be so willing to help in the future.

Look for more Credit Cards to match your requirements (Visa, Access etc) from companies such as HSBC, MBNA, Adverse Credit card providers and other credit card comparison sites.