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Credit Cards

credit cards characterRead in depth guides and tips to help you find the best deal on your credit card.

From 0% on balance transfers to credit cards that pay you to shop we’ve got the low down on the good, the bad and the ugly of the credit card world!

Choose a guide below to learn more about credit cards and help you make the right decision when it comes to choosing a card.

Credit Scoring Explained

Whenever you apply for a loan or a mortgage, or any other type of credit arrangement such as a mobile phone contract, the lender will want to know if you are able to repay the debt. To seek clarification on this point, they will – besides asking you numerous questions – apply to a credit ratings agency (CRA) for details of your credit score.…

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Prepaid Credit Cards – What are They and How do They Work?

Prepaid credit cards are a cross between a debit card and a credit card, bearing some but not all features of both. Unlike a debit card, these hybrid cards do not deduct funds from the card-holder’s bank account; and unlike a credit card, they must be loaded prior to purchase with the card-holder’s own money, since they do not allow purchases to be made on credit. …

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Using a Credit Card for Balance Transfers

Many of us are no strangers to the reality of high-interest credit card debt. Unless we can afford to pay off the whole balance with a few substantial payments, most of what we repay on a monthly basis will go to paying off the monthly interest that’s applied, and if we pay the minimum allowed, it can take many years to pay off the balance. Fortunately, there’s a way to …

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What Are The Benefits of Shopping With a Credit Card

For many shoppers, credits cards are strictly a last resort. They are either secured away for emergencies or have been completely maxed out and are slowly being paid off each month. The nation has been swept by thrifty fever, and many are being encouraged to spend sensibly in this tough economic climate. However, credit card spending is not always a bad idea, and it has perks and benefits.…

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Cashback Credit Cards – What are They and How Do They Work?

Cashback credit cards are just like any other regular card, but with the added bonus of receiving a certain percentage of cashback on purchases you make. This guide takes a detailed look at cashback credit cards, the most popular types of cashback, and the different types of cashback you can expect, when looking at different providers.…

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Interest Free Credit Cards – What are They and How Do They Work?

Like most things in life, even interest free credit cards are not quite free, but they do offer an opportunity for people who need a little extra cash, or those with debt on high interest credit or store cards, to consolidate that debt at a much lower rate. There are two main types of interest free credit card: a card which charges 0% on balance transfers and a card which …

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