There are numerous credit cards on the market, each with a different set of features and benefits. Spending some time researching the different options available means you can accurately match your financial needs to the choices you have.
There are credit cards available with 0% interest introductory offers, cards which offer 0% balance transfers and cards which are suitable for first time users.
Your requirements may be straightforward and you are simply looking for a credit card that offers a low rate of interest on all purchases.
Some credit card providers are offering simple credit cards which give you access to the lowest APR, guaranteeing you a low rate on all your purchases and without the worry that your APR will skyrocket after the introductory period has expired.
Some credit cards offer a low rate of interest on balance transfers as well as purchases, meaning you can transfer the balance of an existing credit card onto your new, low interest card. This allows you to manage your finances more effectively and means you can calculate exactly how much you will be paying off each month.
Having a credit card comes with other benefits as well. You have more protection against fraudulent activity with your credit card when compared to using a debit card and if your credit card were used fraudulently you would not be expected to cover the cost of the counterfeit purchases. Chip and PIN technology now makes it more difficult for would-be thieves to access your funds.
Credit cards also offer a level of purchase protection that you do not get with cash or debit card transactions. The Consumer Credit Act 2006 stipulates that card issuers and retailers must take joint responsibility for faulty purchases so you won't be out of pocket if you use your credit card to pay for goods which aren't up to scratch.
Some form of purchase delivery protection gives you peace of mind against loss or damage to goods that you order from UK suppliers, whether online, over the telephone or in store.
A card that is supported by 24 hour customer service assistance is helpful too as you can rest safe in the knowledge that you are only a phone call away from someone who can help. This is a particularly useful feature if you are travelling abroad and plan to use your credit card when away.
Last but not least, look out for low rate credit cards [http://www.barclaycard.co.uk/personal-home/cards/platinum-hero/simplicity/] that offer the option of online banking as this gives you access to your finances 24 hours a day no matter where in the world you are.
You can manage many aspects of your account online, including direct debits and transfers. Switching to paperless statements is kinder to the environment as well.
There are credit cards available with 0% interest introductory offers, cards which offer 0% balance transfers and cards which are suitable for first time users.
Your requirements may be straightforward and you are simply looking for a credit card that offers a low rate of interest on all purchases.
Some credit card providers are offering simple credit cards which give you access to the lowest APR, guaranteeing you a low rate on all your purchases and without the worry that your APR will skyrocket after the introductory period has expired.
Some credit cards offer a low rate of interest on balance transfers as well as purchases, meaning you can transfer the balance of an existing credit card onto your new, low interest card. This allows you to manage your finances more effectively and means you can calculate exactly how much you will be paying off each month.
Having a credit card comes with other benefits as well. You have more protection against fraudulent activity with your credit card when compared to using a debit card and if your credit card were used fraudulently you would not be expected to cover the cost of the counterfeit purchases. Chip and PIN technology now makes it more difficult for would-be thieves to access your funds.
Credit cards also offer a level of purchase protection that you do not get with cash or debit card transactions. The Consumer Credit Act 2006 stipulates that card issuers and retailers must take joint responsibility for faulty purchases so you won't be out of pocket if you use your credit card to pay for goods which aren't up to scratch.
Some form of purchase delivery protection gives you peace of mind against loss or damage to goods that you order from UK suppliers, whether online, over the telephone or in store.
A card that is supported by 24 hour customer service assistance is helpful too as you can rest safe in the knowledge that you are only a phone call away from someone who can help. This is a particularly useful feature if you are travelling abroad and plan to use your credit card when away.
Last but not least, look out for low rate credit cards [http://www.barclaycard.co.uk/personal-home/cards/platinum-hero/simplicity/] that offer the option of online banking as this gives you access to your finances 24 hours a day no matter where in the world you are.
You can manage many aspects of your account online, including direct debits and transfers. Switching to paperless statements is kinder to the environment as well.
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