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Sunday, September 03, 2006

Which credit card is for me?

The UK credit card industry has matured into one of the most lucrative and sophisticated in the world. There are now so many providers and options for customers to choose from that there should be something on the market for pretty much everyone. No matter what your personal circumstances or financial situation, you will most likely be able to find the perfect credit card that fits your conditions.

First of all there are the 0% credit cards. These have sky rocketed in the last number of years. They aim to entice customers with offers of 0% on either balance transfers or purchases or both. Most lenders will be able to provide you with a 0% credit card if you seek one, and meet the qualifying criteria.

Balance transfer cards specialise in giving you a very low, or perhaps zero rate, on balance transfers for somewhere between five and nine months usually. This means that if you were currently paying a lot in interest to your credit card provider, then the balance transfer card would allow you to switch to them and have a period of time in which no interest at all is due.

Cards for those with bad credit also exist. If you have any kind of negative credit history you will probably be aware of the difficulty involved in getting a credit card. Luckily however there are credit card providers that take a flexible approach to credit assessment and may still be willing to lend to you. You charged a higher rate of interest for using one of these credit cards but they do provide a useful means of getting your credit back on track. By meeting your payments on time and in full you can begin the path to improving and repairing your credit history. However, use the card wisely and do not allow it to compound your existing debt problems.

Cash back credit cards are very popular, particularly with those who do not have a difficulty in repaying their credit card in full each month. If you do repay the entire balance on your bill as soon as it arrives, then you will not need a low interest rate, as you do not pay any interest. Therefore signing up to a card that rewards you with cash or some other reward will make sense.

7 Comments:

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