On this page we bring you a round-up of hints and tips to choosing a credit card, making the most your card once you have it and also how to look after your card. Deals and special offers on credit cards are changing all the time and what may have seemed the best deal last week may have been superceded already. At the moment many credit card companies are changing their terms to prevent people switching from card to card on a regular basis. Of course they can't actually stop you switching your outstanding balance to another card but they can make it uneconomic by levellling some charges to make it unattractive. When signing up for an attractive zero interest or low interest rate card you should look carefully at any terms that may make changes difficult when those attractive terms come to an end.
Explore the Best Buy pages on this site to help you find a great credit card deal but just before you do that, one or two tips to help you get started. Firstly be very clear why you need a credit card in the frist place as they are not all the same. A card to save you paying high interest on an outstanding balance is different to a card just used for convenience where the balance is cleared every month. Or maybe you just want to help a chosen charity or support your favourite football team. Secondly take a close look at what happens to your card deal once any initial offer period has ended. If the deal turns sour then make sure you remind yourself to take appropriate action at the time or you could end-up paying some nasty interest bills.
Credit cards can be great if you stick to a well organised schedule of not going over your spending limit (that doesn't mean your card's credit limit, because many companies will allow you to spend much more than is healthy for you) and not missing your monthly repayment dates.
Credit Card interest rates can be high enough without incurring unneccesary charges for late or missed repayments. The scale of these charges is currently in the media spotlight as the authorities investigate the high rates that some card companies charge.
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