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Finding Best Credit Cards Providers

120x60_Egg_credit_cards Here we have provided you with listings and direct links to the major national Credit Card Providers in the UK. Our objective is to show you the best deals as possible in Credit and Lending Markets. At present, we have provided links to the institutions that we are affiliated with. As we grow and get more affiliations and/or partnerships, we will be adding more links of many nationally known organizations.

Credit Cards Overview

“Plastic money” is a term dubbed by the people of the world in reference to the wondrous item called the “credit card.” And the way the world economy is at present coupled with the pace of life that we have right now, we want everything done the express way. That’s why a lot of businessmen, all the professionals, big bankers and even well-off students have at least one or more credit cards.

Credit cards, especially to working people and those who live very busy lives, has become an ultimate financial savior. More than just being a status symbol or an add-on to expensive purses and wallets, credit/debit cards have revolutionized the way people spend their money. But, more than the glamour and the convenience credit card brings, there is much more to this card than most people could ever imagine. Before indulging much into the never-ending list of the advantages and disadvantages of having a credit card, it is very important for people to first have a brief realization of what credit card really is in order for them to maximize its potentials.

In layman's terms, credit card is a card that allows a person to make purchases up to the limit set by the card issuer. One must then pay off the balance in full or installments with interest payments. Usually, credit card payment per month ranges from the minimum amount set by the bank to entire outstanding balance. And since it is a form of business, the longer the credit card holder wait to pay off his or her entire amount, the more interest pile up.

Since having a credit card is a responsibility, only those people who are of legal age and have the capability to pay off the amount they are going to spend through their credit card, is allowed to have one. In the UK alone, more and more Britons are using credit cards because of the financial convenience it brings. Studies show that the Britons owe hundreds of millions in credit card debts. Being a flexible and accessible method of acquiring credit, various UK credit cards are being offered by major lenders to provide ultimate convenience to the consumers. 

Top UK Credit Cards 

Since more than half a million pounds are spent on UK credit cards every minute-amounting to tens of billions spent each year, it is very important to choose the best credit card for yourself. Some of the top UK credit cards providers have their own sets of great deals to offer, it's up to you, which among these UK credit cards is best for you.

Many offer few days/months interest free credit, 0% balance transfers for the 1st 3 to 6 months or more, attractive APR and if you're the type of person who wants almost everything customised, some credit card companies lets you choose what your card will look like. New research indicates that promotions on interest-free periods offered by credit card providers is on the increase. Accoding to Moneysupermarket, these interest-free promotional periods are now lasting for over 15 months, however, interest rates on credit cards are also rising, the average rate being 17.32%.

Many of them also lets you manage your account online. no annual fees, and a free 24-hour help line. Some, usually Gold or Platinum types, automatically gives you free purchase in transit protection for items. You can actually pay for all or part of your fare using such UK credit card plus the benefit of free personal travel accident insurance.

                    Choosing Your Credit Card

Here you will be able to find several indispensable facts about Credit Card Selection. If there's at least one fact you didn't know before, imagine the difference it might make.
There are many credit cards out there. The one you choose however, should reflect your lifestyle and your ideal spending amounts. If you are looking for the best possible deal and the best company for your credit card, you’ll obviously need to look around at what you have to choose from and what works best for you. Below we point out few vital notes to help you choose your credit card -

The Need
The first thing you’ll need to decide when choosing your credit card, is why you need one in the first place. Some people choose to get a credit card for cash flow purposes. With a credit card, you can make purchases and buy things, leaving your paycheck or other source of income in your bank account to draw interest. This way, your money will continue to grow while you continue to buy the things you need. Then at the end of the month, simply pay your bill. Others will choose to get a credit card and use it for instant cash purposes. This way, they can use their credit card at an ATM and get instant cash, which is great for travel or going on a long and extended vacation. If this is why you want a credit card, you should look for one that has the lowest rate possible for instant cash transactions.

With a credit card, you’ll need to think about the payments. Do you want to pay the balance in full each month, or only the required amount.

When you select your credit card, you should look at the introductory rates, balance transfer rates, and other offers that may apply to new credit cards and new holders. Some will offer you truly amazing deals, especially if you have good credit.

The incentives
Another important area to look at when choosing your credit card is the incentives. There are several cards out there that will give you incentives, such as reward points and even cash back with purchases that you can use towards paying back what you owe. There are several incentives out there with credit cards, all you have to do is look around and compare.

Annual Percentage Rate
The key area you’ll need to look at and compare is the APR (Annual Percentage Rate). The APR is what you will pay on what you purchase when the incentive period runs out. APR rates will vary among credit cards, so it is always in your best interest to compare and shop around. The lower APR rate you get, the better off you’ll be.

Minimum payment amount
Another concern with choosing your credit card is the minimum payment amount. Most minimum payment balances will start around 3%, although some can be lower while others tend to be quite a bit higher.

The interest free period
The interest free period is a concern as well, as you will obviously want to choose the longest period that you can keep the payments down. When you make that final decision and choose your credit card, you should always make sure that you know exactly what you are getting.

Credit cards are great to have, although they can lead to a downfall if you don’t choose them carefully. If you put some time and research into choosing your credit card, you’ll find the best one for you. As long as you take care of your credit card and pay the bill on time, you’ll help raise your credit and eventually be able to purchase even bigger things - such as a car or even a house.

Credit Card Organisations

There are eight main credit card organisations and most of them operate in a lot of countries world wide. These are American Express (AMEX), Citi, Diners Club, Discover, JCB, MasterCard and VISA.  However, amongst the options available to you, you'll have three primary choices for your credit card - Visa, MasterCard, and American Express. These three giants are the leaders in credit cards. 

Visa and MasterCard do not issue the cards themselves, they have banks and other companies issue on their behalf. American Express, or AMEX, is the only one that does everything themselves. AMEX issues their credit cards, maintains their own networks, and does not use any type of third party.
Even though MasterCard and Visa are used more throughout the world, American Express is always expanding their networks.
If you like to travel, you will probably want to choose either Visa or MasterCard, as they are used in over twenty five million locations over the world, including third world countries, which makes them global credit card payments. AMEX on the other hand, doesn’t quite reach this degree. It is a great credit card, although it isn’t used around the world in areas where the other 2 dominant credit cards are. 

Credit Cards With Cash Rebate

Credit cards with cash rebate incentives give you cash rewards each and every time you make a purchase with your credit card. Although there are many types of reward credit cards out there, more and more companies are leaning towards cash back incentives, as most people prefer to receive cash back over any other type of reward. For many, getting cash back is far preferred over air miles, items, or any other reward. If you like to use your credit card often, then you'll find that cash rebate credit cards will give you a lot of money in return. 

                            Credit - Understanding Genesis of Bad Credit

It’s very obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit. Because of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgement, bankruptcy, and loan default which often make it difficult for them to get any credit at all in future. You may now want to ask – what exactly is credit? Credit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, or credit card.

Before you can get credit from any financial institution or lending agency, they will first check your credit history. If you have default on loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.

However, it’s possible for you to improve your credit history or build a new good credit history by repairing your credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to re-establish their credit-worthiness.

Though there are lots of credit repair companies nowadays that promises repairing your credit for you, if you can follow simple guide, it’s very possible for you to do it yourself – afterall it’s your credit. If you repair your credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit.

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