FAQs...
Below are our articles on the subject of FAQs. If you can't see what you are looking for our other categories are displayed on the left under 'Our Quick Links'...
Are Credit References Unfair to Consumers?
A simple explanation of credit references agencies and how their credit reports could be unfair towards consumers who have cleared outstanding debts....
Avoid Being Exploited by Credit Card Companies
Credit card companies will use a variety of business methods that can be deemed exploitative and are designed to keep customers hooked into paying debt over longer periods of time....
Avoid Scams When Making Internet Credit Card Payments
Over four million online shoppers have been scammed in the UK and this could have been avoided by ensuring safety checks are made before providing credit card details....
Best Credit Cards on Offer Today
A look at what types of credit cards are in the market, and which one will best match your needs depending on what you will be using the card for....
Cancelling Credit Cards Can Affect Credit Ratings
A look at why it might not be the best idea to cancel your credit card when you are not using it, and why it might effect your credit rating....
Cancelling Your Credit Card
An article detailing how to cancel your credit card contract with your credit card company...
Can't Pay Credit Cards? What You Should Do
The UK credit crisis and government cuts are leaving millions of people with unmanageable credit card debts and there are steps to take if non payment is unavoidable....
Changes To Credit Card Representative APR
The new credit rules mean that lenders must now state the representative APR on advertisements and this should take into account the fees that creditors usually don’t mention....
Choosing Your First Credit Card: Frequent Questions
Choosing a first credit card can be confusing given the amount of cards on the market but there are factors that should be given top priority before making a decision....
Clearing Credit Cards and Living Debt Free: A Case Study
Clearing credit cards and becoming debt free can take many years but the end result will mean more money in your pocket rather contributing to a credit card company’s profits....
Combating the Credit Card Rate Rises
Millions of UK credit card customers have seen their interest rates dramatically increase, and fighting back against these unjustifiable increases can lead to an interest rate reduction....
Complaining About Your Credit Card Company
How to complain about your credit card company to an impartial third party organisation such as the Financial Services Authority or the Financial Ombudsman....
Complaining to Your Credit Card Company
How to complain to our credit card company about errors and issues that may arise with financial service providers....
Computer Viruses And Credit Card Fraud
Credit card fraud has been on the increase in the UK, and combating computer viruses should be a concern for users who make online transactions using their credit cards....
Contacting Your Credit Card Company
Information about how to contact your credit card company...
Cost Effective Credit Cards: Facts and Myths
Cost effective credit cards such as zero percent and cashback card are surrounded by facts and myths, and knowing the real deal should help borrowers make a more informed choice....
Credit Card Charges
Information regarding claiming back money illegally taken by credit card companies in the form of charges....
Credit Card Codes Explained
An article explaining the series of obscure numbers that feature on your credit card....
Credit Card Design
A look at why some credit card firms allow you to customise your credit card and what the benefits of this are....
Credit Card Fees and Avoiding Them
How to avoid credit card charges, withdrawal charges, penalty charges, monthly charges and annual fee charges....
Credit Card Magnetic Strips Explained
An article explaining how the magnetic strip on the back of your credit card actually works....
Credit Card Purchase Protection Schemes
Many credit card customers may think they are getting a bonus with certain payment protection services but this type of insurance may already be covered by the Consumer Credit Act....
Credit Cards: Necessity or Debt Trap?
Credit cards are often regarded as a necessity by millions of UK consumers but there are downsides to this useful payment method....
Credit Ratings and Their Effect
A look at what your credit record is and how this can affect whether a firm will give you a credit card or not....
Custom, Famous and Fake Credit Cards!
An article about Credit card Stoozing...
Death and Inherited Credit Card Debt
Relatives and spouses can often worry over the credit card debts left behind when a loved one dies but in most cases debts will not usually be inherited....
Do Credit Card Comparison Websites Work?
Credit card comparisons websites are a good starting point - but do they give a complete assessment of all of the credit cards available? We investigate....
Does Interest Accrue on Credit Cards After Death?
Interest should only accrue on credit debts up to the point of death, once letters are written to creditors the debt should be frozen in order to stop interest accruing....
Don't Get Caught Out by Small Print
Avoid getting ripped off by credit card companies by making sure you always read the small print!...
Facts about Credit Cards
What are the most interesting facts about credit cards?...
Falling Into The Credit Card Trap
Credit card debt traps can be very easy to fall into during financial hard times, and these debts can last for decades instead of years....
French Credit Cards
Using credit cards in France is a different kettle of fish (or perhaps poisson) than doing so in the UK....
Get Cash Back from Credit Cards
How to get cash back from your credit card purchases....
Get Free Flights from Credit Cards
How to get free flights from spending on your credit card!...
Get Out of Credit Card Debt Completely
How to get rid of debt completely...
Getting Credit in a Downturn
Getting credit is about to get tougher; find out how you can get more competitive at getting a good deal!...
Has Your Credit Card Juggling Backfired?
Credit card juggling has been used by shrewd borrowers to maintain low interest rates but with lenders tightening their belts this borrowing method may have backfired on the juggler....
Hidden Charges When Paying By Credit Cards
The high credit card surcharges applied to customers do not actually reflect the price paid by retailers when processing payments. Here's how to spot the hidden charges and to save you money....
High Charges When Using Credit Cards Abroad
It may not always be possible to avoid transaction charges when using credit cards abroad but choosing the right card can mean limiting the damage to your bank balance....
High Interest Credit Cards to Avoid
It is quite easy to spot and avoid lenders who supply high interest credit cards and loans, and the biggest clue should be the APR displayed in the advertisement....
How Credit Card Companies Make Money
Credit card companies make a packet! Find out how they make so much money!...
How Credit Cards are Made
How credit cards are made from plastic and pressed in to shape....
How Credit Cards Work
An article explaining how credit cards work....
How do Credit Card Companies Make Money?
How credit card companies profit from providing customers with credit and credit cards....
How do Credit Cards Work?
How credit cards work and the system that enables them to work explained...
How I Juggled My Credit Cards: A Case Study
Millions of borrowers across the UK are juggling more than three credit cards and if they are careful jugglers this act can drastically cut interest payments....
How to Beat Credit Card Arrears Harassment
Debt has reached record levels in the UK and harassment from collection agencies is on the increase but for those in arrears there are ways to stop this harassment....
How to Get Credit Card Approval
One of the factors of successful credit card applications is lender criteria and anyone who looks less of a risk to the lender will be more likely to obtain credit....
How to Not Get into Debt with Your Credit Card
A look at why it is so easy to get into debt and what you can do to make sure that you don't go overboard....
Information Your Credit Card Company Knows About You
Credit companies hold a huge amount of customer information and this can be analysed for a number of reasons including weeding out high risk debtors at the application stage....
Jobs at Credit Card Companies
All you need to know about how to get a job at a credit card company and what kind of job you could be doing once there....
Latest Online Shopping Credit Card Scam to Hit the UK
An estimated 33 million people in the UK use the internet to shop and access bank accounts, and the scammers are using increasingly sophisticated fraud methods to dupe shoppers....
Living Without a Credit Card: A Case Study
Although it can take an amount of readjustment, living without a credit card can actually be a financial change for the better....
Manage Your Credit Card Debt
How to manage your credit card debt....
New Credit Card Laws in the UK
New credit laws have recently been introduced in the UK but further credit regulations designed to help credit consumers get the most from their credit cards are under proposal....
New Debt Industry Rules For Quicker Credit Card Clearing
The government’s new credit card rules are designed to help customers repay debts quickly and should help to save money that would previously have been used for interest payments....
Preventing Credit Card Fraud
How to avoid personal credit card fraud and identity theft...
Pros and Cons of Credit Card Comparison Sites
Comparison sites are a popular way to find deals not widely advertised, but around 50% of consumers do not trust comparison sites to find the best deals....
Purchasing Credit Card Protection
It's time to think about recession proofing your credit cards!...
Reclaim Credit Card Charges
A look at why you are able to claim back certain credit card charges made against you and what is the best way of doing this....
Recycling Credit Cards
How to recycle your old credit cards and find interesting alternative uses for the expensive plastic!...
Relatives and Credit Card Debt After Death
A common worry for surviving partners or relatives is inherited debts but there are only a few instances when survivors can be held liable for the deceased’s credit card debts....
Should You Transfer Other Debts Onto Credit Cards?
Borrowers with multiple debts are paying multiple interest fees, and this interest can be reduced or eliminated by transferring debts to low or zero percent interest credit cards....
Should You Use Credit Cards for Christmas Shopping?
The festive season in the UK often means increased credit card spending, leaving consumers paying large amounts of interest - but there are ways to minimise hefty interest fees....
Start Improving Your Credit Card Rating Today
The inability to obtain credit cards due to a poor credit rating can be extremely frustrating but there are some simple ways to help improve credit ratings....
Stop Identity Theft
How to Stop and prevent Identity Theft...
Stop Making Billions for Credit Card Companies
Credit consumers who are feeling the financial strain should consider ways to stop contributing to the immense profits that are celebrated by their credit card providers....
Ten Tips to Clear Your Credit Card Debt Quickly
Quickly reducing your credit card debts will save a lot of money in interest payments and there are certain methods that will help to rapidly reduce account balances....
Ten Tips to Improve Your Credit Rating
There are methods that can be used to rebuild or improve a credit rating and using one or more of these methods should pave the way to wider lending opportunities....
The Best Freebies From Credit Cards
A look at what kind of freebies you can get from credit card firms and which are the best ones....
The Facts About Pre Paid Credit Cards
Pre paid credit cards come with a variety of uses but also a variety of charges, and knowing the facts should ensure you choose the right card without over spending....
The Facts on Credit References and Lender Approval
Credit references do have some influence when it comes to lender approval, but lenders also have their own criteria when it comes to providing credit....
The Future of Credit Card Manufacture
A look at what the future holds for credit card manufacturers and how they can make credit cards more environmentally friendly....
The Hidden Dangers of Zero Interest Credit Cards
If used correctly zero percent interest credit cards can save account holders a lot of money but there are some hidden dangers that borrowers should be aware of....
The Highest Ever Credit Card Bills
Consumers are facing the highest ever credit card bills as the economic crisis worsens....
The History of Credit Cards
The history of credit cards...
The Latest Credit Card Fraud Methods
Credit card fraud is on the rise in the UK and the latest fraud methods include sophisticated technology designed to gain personal and financial details....
The Legalities of Credit Card Debts and Divorce
Divorce can be a minefield when it comes to finances, and safeguards such as freezing joint credit cards should be taken to ensure debts do not build up on these accounts....
The Most Famous Credit Cards
An article about the most well known and most exclusive credit cards ever produced....
The New Contactless Credit Cards
Contactless credit cards are already in use and are set to be rolled out by banks over the next few years but theft issues are making some customers very nervous....
The Origins of Credit
Where does credit and credit cards comes from?...
The Pitfalls of Family Members With Secondary Credit Cards
Secondary credit cards can be a way for family members with poor credit records to obtain a credit card but there are significant disadvantages for the primary account holder....
The Structure of a Credit Card Company
A look at how a credit card company is structured and why the credit card you use may not always belong to the retailer who supplied it to you....
The Unmanageable Credit Card Debt Test
Credit cards are a major cause of UK personal debt problems and recognising the signs of unmanageable debt should be the starting point to seeking financial advice....
Understanding the APRs on Your Credit Card
A look at what the term APR means, and how this can effect which credit card is best for you, and how much interest you will be paying....
Using a Credit Card as a Short-Term Loan
A look at why it may be worthwhile using funds from a credit card to pay off a loan, and also when this is not a good idea....
Using Credit Cards for Short-Term Loans
How to use credit cards to get interest free loans...
Using Pre Paid Credit Cards Abroad Pros and Cons
How pre paid credit cards work when you use them abroad, plus the advantages and drawbacks of using them....
Using your Credit Card Abroad
How to use your credit cards abroad....
Victim of Credit Card Fraud
A guide to what you need to do if you have fallen victim to credit card fraud, plus some useful tips on how to prevent it happening again....
What Card Companies Do For Victims of Card Fraud
A description of what happens if you have been a victim of credit card fraud and what the credit card firm can do to help you....
What Happens if I Can't Keep Making My Repayments?
A look at what to do if you can't afford the repayments on your credit card and what action a credit card firm can take against you....
What Happens When Banks Get Bailed Out?
What happens when the banks get bailed out by taxpayers? Find out here!...
What is a Credit Card?
An explanation of exactly what a credit card is and does....
What is Credit Card Fraud?
Credit card fraud explained...
What is Credit Card Tarting?
A guide explaining credit card tarting, what it is and how to do it!...
When it Pays to Use a Credit Card
Credit card incentives such as zero percent interest rates and cashback rewards are becoming harder to find but there are times when using a credit does actually pay....
Where to Get a Credit Card From?
Credit cards are on offer everywhere you look, but which ones are the best and where should you go to get one? we explore the options....
Why Credit Card Companies Track Your Spending
Credit profiling may sound like big brother is watching but this is a multi billion pound business that tracks customer spending and the results could mean instantly reduced credit limits....
Why do Credit Cards Have Expiry Dates?
An article explaining why credit cards have expiry dates....
Why do People Commit Credit Card Fraud?
A look at why fraudsters commit credit card fraud and why it is sometimes made easy for criminals to get your card details....
Why Don't All Retailers Accept Credit Cards?
A look at why not all shops accept credit cards, and why this is normally the case among smaller shops....
Why Lenders Love Careless Credit Card Customers
Careless credit card customers who never check statements, make only minimum monthly payments and make cash withdrawals are the lender’s favourite type of customers....
Why Was My Credit Card Application Rejected?
There are a number of lending requirements that go towards a lender rejecting or approving credit, and credit references and the electoral roll can make a significant difference....
Will Credit Card Companies go Bust?
Could Credit Card Companies Go Bust in the Credit Crunch?...