Credit Card Selection

www.marbles.com
You can get Get a decision in 60 seconds with marbles. Click for details.
A really SAFE Credit Card for using especially on the net. They absolutely guarantee no fraud so even if your card was used you DO NOT PAY. Once again a 0% introductory offer for 6 months then a great rate of 13.2% APR. You can get Get a decision in 60 seconds with marbles. Click for details. Written quotations on request from marbles, POBox 3615, Birmingham B3 2RJ, so no waiting around. If you do use your Credit Card for use over the net this is a must have card for your Arsenal.  Click here for Marbles online application.
 

Morgan Stanley Credit Card
Morgan Stanley is an American Company offering a great new credit card to the UK public. There are no hidden clauses here but you should always read the small print as with any credit agreement you enter.
So what are the benefits?
Morgan Stanley credit cards offer 0% on your purchases for a full 6 month period so if you are considering a large purchase this is a great way of doing it. The credit card also offers a 6.9% rate on the life of your balance transfers. So consolidate your cards and loans and transfer it to your new Card at Morgan Stanley. If that wasn't enough you will get 1% cashback on you spending so you are quids in all ways round.
Click here to get full details.

1.6% CashBack from Accucard  -  www.accucard.com
Accucard is the only truly flexible credit card available. It will allow you to choose what YOU want to pay. You can have a low interest rate or cashback on your spending. There is no annual fee, but if you choose to pay one you can further reduce the interest rate and get more cashback on your spending. click here for the online application

First Direct (FREE £25.00)
First Direct with put £25.00 into your new account with them when you join. If you haven't used First Direct before you will not believe the level of service they give.

Bad Credit Rating !!!  -  www.capitalone.co.uk
Capital One UK Classic MasterCard You needed be excluded from have a credit card because of past circumstances. CapitalOne take a case by case view and will be very flexible if you have had a bad credit experience in the past.  Strengthen or rebuild your credit rating with the Capital One UK Classic MasterCard.

CreditCardReview
This site only lists UK Credit Cards. So if you are looking for a deal on a Credit Card From the UK, look no further. 0%, Cashback on purchases, No interest for 6 months, Balance transfers from your existing Card and much more.

How To Choose A Credit Card


There is one basic question you need to answer to help you decide which credit card is best for you. And that question is 'Do you intend to pay off your credit card balance in full each and every month?'

If the answer is 'no' (and for 50% of the population it is) then the most important factor is the interest rate. If the answer is 'yes' then it is the other properties of the credit card that are likely to be more important such as what is charged for foreign currency transactions or cashback perks. But it's still important to make sure the interest rate isn't too high as you never know what the future holds. You may not be able to pay off your bill in future or you may even simply forget on the odd occasion.

Let's look at the factors you need to consider when choosing the right bit of plastic. These are all presented in our Credit Card comparison table.

1. Credit Card Interest Rates

These days many cards, particularly those of new entrants to the market, offer an introductory rate of interest in order to attract new business. Many of these offer very good value for money and they can be particularly useful as a means of paying down debt more quickly.

But be careful. Some of these offers just relate to any balance you transfer from another card and not to any new purchases you make. While you're paying off the transferred balance at the attractive rate of interest, your new purchase costs are merrily racking up interest in the background at less attractive rates. Make sure you know what applies to the card you are applying for. Ideally, you want a good introductory rate and a competitive ongoing rate.

Watch out for statements which only refer to the monthly interest rates as well. Something like 'rates of 1.5% per month' on your statement may not sound like much but this is equivalent to 19.6% per year! When comparing interest rates always use the APR (Annual Percentage Rate). This allows you to make like-for-like comparisons and, by law, it has to be published when companies tout for your business.

2. Interest Free Period

One of the most attractive qualities of a credit card is that they can offer you up to eight weeks' interest-free credit, if you delay paying off your monthly balance until the last moment. If you make substantial purchases on your cards and pay off your balance promptly then a couple of week's difference in the interest free period may be worth investigating.

3. Annual Credit Card Fee

Annual fees on credit cards are relics of the murky history of this part of the financial services industry. Most of the newer, more competitive cards don't charge them. Avoid cards that do.

4. Credit Card Cash Withdrawls

As a general rule, drawing out cash using your credit card represents very poor value for money with charges of around 2% per month.

5. Foreign Currency

Many of us like credit cards for their ease and flexibility when travelling overseas. But credit cards are generally quite an expensive way to pay in these circumstances with charges and catches similar to those that apply to withdrawing cash. If you're planning to flex your plastic when abroad it's advisable to check out the small print, and your alternatives, in advance.

6. Loyalty Schemes

Loyalty schemes, offering things such as air miles or cash back, are gaining in popularity. Although research indicates that these are one of the most important factors we consider in deciding which card to choose (after interest rates) the benefits are often fairly marginal. In order to get these benefits it's best to only use your credit card as an alternative to paying by another method.

7. Insurance

Some of the major credit card companies offer free insurance on any goods over a certain amount bought using their card. This can be a very useful service in some circumstances. In addition some cards also offer free travel insurance.

8. Gold and Platinum Cards

Whilst they might look flash when produced from your wallet or purse at the supermarket, the benefits offered by these cards are often pretty uninspiring. Usually you require a salary over a certain limit in order to get one and they often entail an annual fee. Look at the benefits and then look at the annual fee. If you think that a) you need those benefits and b) the price offered looks reasonable, then feel free to look flash.