Credit Cards UK & USA
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can find a wide range of credit cards here from some of the
biggest brands. Apply
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Credit Cards
There
are a number of things to think about when applying for a
credit card, here are some of the main ones but there may
be others which are of a higher priority with you.
Balance
Transfers Rate
The
Credit Card Balance transfer rate is the rate applied
to the amount you transfer to new credit cards from other
cards. There are a few cards offering 0% on balance transfers
meaning you can stop paying interest on the money you have
transfered from other credit cards until the offer runs out.
These offers normally last for 5 - 9 months but can vary.
Purchases
Rate
The
Purchase credit card rate is the rate you are charged for
the new purchases you make on your credit cards. Many cards
which offer you a 0% on balance transfers also offer
0% on purchases untill the offer runs out, which is normally,
but not always, when the balance transfer offer runs out.
Standard
Rate
The
standard rate is the credit card rate that you will be charged
interest at once the introductory rates have finished. Many
people choose to transfer their balance to different credit
cards offering 0% on balance transfers and purchases once
their current 0% rates have run out. However, it is not always
possible to find another card with these rates and you may not
think it's convenient to keep changing your credit cards everytime
the offers run out. In this situation the standard rate may
be more of a concern to you.
Cash
Back
Some
credit card companies offer cash back when you use your credit
cards. This is normally based on a small percentage of your
spend. This is normally between 0.5 to 2% for those who offer
it, but not all do and it can vary.
Rewards
Some
credit card issuers offer rewards other than cashback when
you take out credit cards with them. These rewards
can include offers like discounted insurance or special travel
deals, which may be something to look out for.
Popular
Credit card service companies include Visa
Credit Cards and Mastercard
Credit Cards Other
Information can be obtained from www.bankrate.com
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