All credit card news
Frequent flier programs, airline rewards
Innovations, features, new products
Instant approval, legal, regulatory, privacy issues
Low interest, zero percent cards
Need to know
Reward programs, cash back cards
Spotlight: People on plastic
Student credit cards, young credit
Latest credit card news
All credit card news
back to stories
The best way to pay for your Christmas spending -- What's the best way to pay for your holiday spending: credit? Debit? Prepaid card? Here's how to choose ... (See Christmas shopping) The fastest route to a high credit score -- Like most good things, you can't get high credit overnight. But you can do some things to fast-track your path to a prime score ... (See High score) Best cards for your 2017 holiday shopping -- Try one of these cards to get the most rewards as you do your winter holiday shopping this year ... (See 2017 holiday) How to make the most out of Black Friday and Cyber Monday -- Here's how to survive Black Friday (and the entire holiday shopping season) with your budget and personal data intact ... (See Holiday shopping) What protections do credit cards offer (besides Section 75)? -- Section 75 is a well-known credit card protection, but it's not the only one. Here are some lesser-known defences ... (See Card protections) Best credit tips for millennials -- If you're a young adult looking for your first card, or your first premium card, here's what you need to know ... (See Tips for millennials) Debt series: How to stay debt-free after you pay off your debt -- Once you've cleared your debt, you might be fearful of falling into another debt hole. Here's how to stay debt-free ... (See Debt-free) Debt series: How to spot the signs of problem debt -- It's important to be able to identify your own problem debt - or that of someone close to you. Here are the signs ... (See Problem debt signs) Debt series: Why we lie about debt -- In the first of our three-part series, we discuss why we lie about money worries, and how to break the debt - and lying - cycle ... (See Lie about debt) What to look for in a student credit card -- Here's what to expect from a credit card specifically aimed at university students ... (See Student card) Equifax suffers major breach - are you affected? -- A breach at Equifax exposed details of millions of US consumers - and some UK consumers. Here's what you need to know ... (See Equifax breach) How to handle credit card and other bills while unemployed -- If you lose your job or become too ill to work, here's how to handle your credit card and other bills ... (See Unemployed) Tips for applying for credit cards on your phone -- With everything else your mobile can do, there's no reason you can't complete a credit card application on it, too ... (See Mobile application) Who can I add as an authorised user? -- Want to add an authorised user? Here's who you can add, how to do it and what to expect once they're on the account ... (See Authorised user) You regret opening your credit card - now what? -- Many Britons regret opening their credit card, according to a recent survey. Here's what to do if you're one of them ... (See Regret card) Your credit limit: use it or lose it -- Thanks to new rules, you may find unused credit cards or credit limits taken away in the next few months ... (See Unused credit) How to manage initial baby costs -- Even with preparation, the immediate costs of a baby can be overwhelming. Here's how to manage those first expenses ... (See Baby costs) Why we impulse spend - and how to stop -- Understanding the motivation behind impulse shopping is key to spotting our impulse buying patterns and ending them ... (See Impulse buying) Choosing the right card as your family grows -- Everything changes as you start a family, and that includes the way you use credit cards ... (See Credit and family) What's safer: your card details or your health details? -- According to a study, more Brits trust their doctor than their card issuer. But is that mistrust unfounded? ... (See Data security) Section 75 and third parties: when you aren't protected -- Section 75 may not apply if the relationship between the debtor, creditor and supplier is broken by a third party ... (See Section 75) How do Brits use their credit cards - and how should you? -- Do Brits use their credit cards for treats or essentials? And how can we strike a better spending balance? ... (See Spending habits) Online financial scams you should know about -- Online fraud is a huge issue, but with some preparation, you can avoid becoming a victim. Here's what you can do ... (See Online fraud) What borrowing options are best for graduates? -- Without student loans, you may need a "grown-up" way of borrowing. Here are some options to choose from ... (See Post-grad borrowing) The 10 most common reasons why you're denied credit -- Knowing these common reasons for rejection can help you work toward an approval before you even apply ... (See 10 reasons denied) Industry responds to FCA's proposal on persistent credit card debt -- Here's what industry experts have to say about the FCA's proposal to help credit card consumers in "consistent debt" ... (See Industry responses) Open banking FAQs answered -- What is the new "open banking" initiative, how will it work and how will it benefit you? ... (See Open banking) FAQs on FCA, Labour proposals for helping consumers with persistent credit card debt -- The FCA is suggesting new rules for credit card companies to help those with "persistent debt". Here's what you need to know ... (See Persistent debt) What documents do you need to keep, and what can you chuck? -- You want to declutter, but you don't want to throw away too much. What do you need to keep, and what can go in the bin? ... (See What to keep) Men, women and money -- who wins the battle of the sexes? -- Who has more financial savvy -- men or women? The answer is varied and complex ... (See Battle of sexes) What is a 'life of balance transfer' card? -- There are plenty of 0% balance transfer deals on the market, but in some cases, a "life of balance transfer" might be smarter ... (See Life of balance transfer) 'Clear Your Clutter Day' creator says decluttering can improve your finances, well being -- Decluttering is a great way to get organised and stay on top of your finances, but it can also have mental health benefits ... (See Financial clutter) Financial housekeeping: 7 things to check off your list -- It's important to do basic housekeeping with your accounts to be sure you aren't a fraud victim and that you're not overpaying ... (See Financial housekeeping) How your debt, mental health issues are related -- If you're struggling with debt and mental health problems, you'll find it's better to admit the problem, rather than try to hide it ... (See Debt and mental health) How to erase your credit invisibility -- There are times when you're "credit invisible" -- you've never used credit, or no longer use it. But it's not a good thing ... (See Invisible) What is SIM card fraud -- and how can you avoid it? -- While banks and phone companies are working to prevent SIM card fraud, you should take preventive steps, too ... (See SIM fraud) What payment technologies are in store for 2017? -- The UK's reputation as a payments trend setter is set to continue this year ... (See Payment technologies) Is your debt hurting your kids? -- Your worries and stress over bills and debts can negatively affect your children's mental and physical health ... (See Debt stress) Your card's security code explained -- What is the short code on the back of your card called, why is it important and how is it evolving? ... (See CVV code) Why are some consumers still being charged high transaction fees? -- Despite rules regarding transaction fees, some companies are still tacking on too much to credit card purchases ... (See Transaction fee) Being rich doesn't guarantee credit approval -- Sometimes, more money really can equal more problems if you aren't spending it wisely ... (See Wealth and credit) Credit card 'off switches' not the cure for problem spenders -- For some, impulse spending is a serious problem. Being able to turn your card "off" might not be the solution ... (See Off switch) What are banks doing to protect consumers from fraud? -- Bank and card fraud is big business. Banks have ways of protecting you -- but are they enough? ... (See Bank protections) Are premium credit monitoring services worth the cost? -- Credit bureaus offer paid credit monitoring services to alert you to suspicious activity -- but are they worth the cost? ... (See Credit monitoring) Avoid buyer's remorse this holiday season -- For many Brits, December means spending. But come January, you may regret the previous month's budget ... (See Holiday buyer's remorse) How the fight against fraud impacts card users -- Consumers aren't liable for fraud, but that doesn't mean they're unaffected. Banks struggle to balance safety with convenience ... (See Fraud fight) How to avoid and stop 'grey charges' -- Paying for a service or subscription you no longer need is called a "grey charge". Here's how to avoid them ... (See Grey charges) Pros and cons of having credit -- While a credit-free life has its advantages, in many ways, having credit is the sensible thing to do ... (See Credit pros and cons) How to pay debt on a fixed retirement income -- Retirees have a fixed income and fewer opportunities to earn extra income, making debt repayments tough ... (See Debt in retirement) How to ensure companies truly delete your personal data -- When you no longer want to be involved with an organisation, you can request it delete your personal data. But is it truly gone? ... (See Delete data) What you need to know about being an authorised user -- You can add someone to your credit card account, but that doesn't make them liable for the payment -- or help their credit ... (See Authorised user) How to deal with debt in preparation for retirement -- In theory, preparation for retirement means aggressively saving. But what if you have high debt? ... (See Debt before retirement) 4 credit tips for students -- As students begin their time at university, they may be using credit for the first time. Here are four tips for students to keep in mind ... (See Student credit) What is a credit card debt default? -- Millions of UK adults default on credit card debt each year. Here's what a default is and what it means for your credit ... (See Default) Apple Pay lands on the web -- Shopping online just got quicker and safer for Apple users. Now, you can use Apple Pay when shopping on your Safari browser ... (See Apple Pay online) How to manage debt on an unpredictable income -- Budgeting can be challenging even on a solid income. Doing it on an irregular pay schedule is even harder -- but not impossible ... (See Irregular income) How MasterCard lawsuit may affect UK consumers -- A law firm is taking legal action against MasterCard, citing unfair charges. Here's how you might benefit from the claim ... (See MasterCard claim) What's holding back mobile payments -- Apple Pay, Android Pay and other mobile payment platforms have been in the UK for over a year -- but they've yet to really take off ... (See Mobile payments) Money and credit tips for your 50s, retirement and beyond -- When you start nearing your 50s, retirement or both, you need to maintain -- or build -- a good financial profile ... (See Finances in 50s) Why your bank, credit card issuer is texting you -- Here are four reasons your bank may be -- or may start -- texting you, and how it benefits both it and you ... (See Texts) Money and credit tips for your 30s and 40s -- In your 30s and 40s, your earning capacity -- and financial responsibilities -- are likely increasing. Here are tips for this stage of your life ... (See 30s and 40s) Why you shouldn't hand over your contactless card -- In a few places in the UK, you still have to hand over your card to pay -- but should you? Experts say no. Here's why ... (See Contactless safety) Credit, finance tips for Brits in their 20s -- Young adults are leaving university -- likely with debt -- earning more money and getting their first credit cards. Here are tips for juggling it all ... (See Young adults) How to safely dispose of an old credit card -- Grab your scissors, a magnet and a couple of trash bags to dispose of your plastic and deter fraudsters ... (See Destroy card) The voice command payment revolution -- Voice recognition technology is poised to revolutionise the way we buy items and conduct personal banking ... (See Voice recognition) Mid-year cleanup: Organise, control your finances -- Summer is a great time for financial clean-up: get organised and back in control, and form (or refresh) good money habits ... (See Mid-year cleanup) Are you a 'revolver' or 'transactor' - and how does it affect your score? -- How you manage your credit card balance is important. However, that's only part of what makes up your score. ... (See Transactor or revolver) How will Brexit affect your holiday spending abroad? -- If you have a holiday abroad planned, brush up on how the Brexit vote will affect it before you leave ... (See Spending abroad) How immigrants to the UK can build credit -- If you move to the UK, you don't bring your previous credit score with you. Here's how you can start your UK credit life. ... (See Immigrant credit) How will Brexit affect consumer credit availability and interest rates? -- In the aftermath of Brexit, the Bank of England is taking measures to ensure that credit will be available. ... (See Credit availability) 'Internet of Things' expands payment options -- The Internet of Things is transforming the way we shop and pay for goods. There are now rings, watches, clothing, refrigerators and more that can make payments ... (See IoT) What Brexit might mean for credit card consumers -- Financial markets were thrown into turmoil following the UK's vote to leave the EU. Here's how the decision might affect UK cardholders ... (See Brexit) 50 years of UK credit cards: -- June 2016 marks the 50th anniversary of the introduction of UK credit card. Here's how card use and security have changed over the last five decades ... (See The history of how Brits use credit Card use history) A history of credit and debit cards in the UK -- The UK credit card celebrates its 50th anniversary in June 2016, but the concept of credit began in the 1880s. Here's everything that happened in between ... (See History of cards) Avoiding credit-builder card pitfalls -- You may have heard advice to take out a "credit-building card" if you have a low credit score. However, if you don't spend and pay responsibly, such cards can further ruin your score ... (See Credit-builder pitfalls) Clearing up confusion over credit reports, scores -- Many UK consumers are confused about their credit reports, and many have a few misconceptions in common. Here are a few confusing areas, cleared up ... (See Clear confusion) Protect your card details from smartphone malware -- Hackers looking to steal personal information are increasingly turning their attention to smartphones. Here are some risky behaviours to avoid ... (See Protect phone) The truth about 'pre-approved' offers -- You may receive a "pre-approved" credit card offer and apply straightaway. While such promotions can be useful, know that you may not always get what you're offered ... (See Pre-approved) How 'no-consequences' credit can lure you to debt -- Lengthy 0% interest periods can fool you into thinking your debt has no consequences. But the consequences will catch up with you, and it could be a costly reality check ... (See No consequences) Use your credit card to cut smartphone costs -- Long 0% interest periods can fool you into thinking your debt has no consequences. But in reality, many people who take these offers get lured into pricey or unmanageable debt ... (See Smartphone savings) New rules give consumers more insight about personal data -- Companies must be a lot more transparent with how they want to use your data. Those that don't will pay a high price ... (See Data rules) Regional differences in debt, credit use in the UK -- Many Brits have credit cards, and plenty carry debt, but where you live may factor into how much debt you're prone to carry, how many cards you have or even how often you use credit ... (See Regional differences) The hidden fees and charges in your card agreement -- While lenders are compelled by law to make certain information clear to new applicants, it's easy to slip an array of charges into the often-skimmed terms and conditions ... (See Hidden fees) What are millennials' real attitudes toward debt? -- Young adults aged 18 to about 34 have been characterised by their spontaneous, live-in-the-moment attitudes. But does that mindset carry over to debt and credit, too? ... (See Millennials) With Android Pay on the horizon, here's what you need to know -- Android Pay, Google's mobile wallet, is set to launch in the UK in summer 2016. Here's what you need to know about the service, its compatible devices and its security ahead of its debut ... (See Android Pay) Choosing and managing multiple cards -- Juggling multiple cards can be daunting. It requires discipline, organisation and a running knowledge of your financial needs and habits. But if you can manage it, it can be quite beneficial ... (See Juggle cards) Solutions for rewards aficionados in a dwindling rewards state -- Many issuers are scaling back rewards programmes as a result of the cap on interchange fees that came into effect in March 2015. If you're an aggressive rewards chaser, here are some ways you can keep maximising your points ... (See Rewards chase) Know your fraudster: -- Banks are getting better at detecting fraud, but that just means fraudsters are more likely to try to get information straight from the source: you. Here are six types of fraudsters and how they operate ... (See Types of criminals and what they want from you Fraudster) Technology could boost financial inclusion -- but will it? -- As Brits eschew cash and cheques in favor of new payment innovations, some say the underbanked will finally have more capability to connect to banks. But FinTech comes with new barriers for some groups ... (See Inclusion) How British card behaviour compares to other countries -- Other countries differ in language and cuisine, of course, but even payments vary. Here's a glance at how other countries' credit card behaviours compare to the UK's ... (See Comparison) Enjoy the perks of your card without paying the annual fee -- Your card's annual fee isn't non-negotiable. Here are three tactics you can use to get around paying it ... (See Avoid fee) Calling all payment tech junkies: -- Payments are getting more streamlined by the day, it seems. Tap-and-go makes paying quick, and mobile and wearable payment technologies make paying card-free. Here are some unique developments to watch for in 2016 ... (See Emerging innovations gather steam Innovations) Credit card instalment plans: -- Sometimes, an emergency comes up and you need to make a big purchase, and your credit card is your only funding option. But with high interest, it can be costly. Thanks to new instalment plans, though, you may be able to get a better deal ... (See Affordable alternative to high-interest borrowing Instalment plan) How to turn a 'credit detox' into long-term healthy habits -- It takes a few months of good behaviour to make any noticeable improvements to your score. So, many go on a "detox" before applying for products. But you're better off turning the detox into healthy, long-term habits ... (See Detox) With long 0% balance transfer deals, one strike, you're out -- The balance transfer "war" continues, and many consumers are getting long 0% interest balance transfer deals. However, many of those deals are cut short after only a few months when consumers slip up ... (See Revoked deals) Dealing with an unwanted credit limit increase -- For many, a credit limit raise is a pleasant surprise, but for some, it can be a dangerous tool. Here are some risks involved with an unsolicited limit raise, and what to do if you get one, but know you shouldn't take it ... (See Unwanted raise) Help your spouse improve their credit -- There are many ways to show your partner your support, but one grand gesture you may want to consider is helping them boost their credit score. Not only is it nice for them, but it could help improve your finances as a couple ... (See Spouse's credit) Incentives to switch current accounts tempting, but logical? -- Many banks offer incentives to get customers to switch current accounts, such as cash or a gift card upon signup. But are these offers worth the hassle of switching? ... (See Incentives) How do banks benefit from long balance transfer offers? -- Banks are competing to offer the longest 0% interest balance transfer deals, which is great for consumers, but what's in it for the banks? There are still a few ways for companies to make money off you, even if you aren't paying interest ... (See Bank benefits) Dodge non-sterling transaction fees on foreign websites -- You may be used to handling non-sterling transaction fees when shopping in other countries. However, don't forget the fee applies to foreign websites, too ... (See Non-sterling transaction) How to equip your small business to accept plastic -- If your small business doesn't accept plastic, you're likely missing out on business. The majority of Brits expect to be able to pay by card anywhere. Here's how to equip your business with a card reader ... (See Card ready) Protect yourself from phishing and smishing -- Fraudulent email and text messages (known as phishing and smishing) have become increasingly sophisticated. Here's how these messages work, and some steps you can take to protect yourself from them ... (See Phishing and smishing) Credit cards no longer just for big-ticket items -- The rule of thumb for credit cards used to be: for emergencies and big-ticket purchases only. However, more Brits increasingly are using credit for small, everyday purchases ... (See Small purchases) 5 realistic financial resolutions -- With more specific goals in mind, you can actually be on the road to better finances next year ... (See Realistic resolutions) Unused credit cards can be costly -- You may have cards that you need to keep, but only use sporadically. But if you don't keep them active at all times and check your statements, a seldom-used card could cost you ... (See Inactive) Extreme, creative ways to clear debt -- There's the textbook way to pay debt, and then there's the extreme way to pay debt. Maybe that means moving to another country, or cashing in on your hobbies. Here are a few real ways people have cleared debts ... (See Extreme payoff) 5 ways to avoid pitfalls of credit card money transfers -- A money transfer shares some qualities of cash advances and balance transfers. Just as it's easy to get into trouble with those tools, money transfers come with some pitfalls. But with some planning, you can steer clear of them ... (See Money transfer) Risks of having more cards than you need -- It's not unusual to have a wallet full of cards that offer various benefits: travel rewards, cash-back, everyday use. But while this can be a smart tactic, it can count against you if you overdo it ... (See Too many cards) Can you benefit from a 'double-duty' 0% credit card? -- If you're trying to chip away at your debt while still using your card, you may need a good, long 0% period on both balance transfers and purchases. Thanks to "double-duty" cards, you're in luck ... (See Double-duty) What borrowers need to know about P2P loans -- If you've been rejected for a bank loan, or are just looking for alternative borrowing methods, a peer-to-peer (P2P) loan may be for you. Here's what you need to know about them ... (See P2P loans) Experts give the worst, best advice they've heard -- Our social circles are filled with faulty financial recommendations. Four experts share some of the worst – and best – suggestions they've come across ... (See Advice) 4 wrong ways to pay credit card debt -- Plenty of Brits struggle with credit card debt, sometimes turning to unwise strategies to pay it down. Keep these common mistakes in mind so you don't end up on a "debt treadmill" ... (See Bad ideas) Why and how to issue a notice of disassociation -- If you've ever shared finances with someone, you're financially associated. That relationship could negatively affect your credit, so here's how to get a "financial divorce" ... (See Disassociation) What to do if your data is part of a major breach -- With so many blue chip companies suffering data breaches in 2015, it's vital to know what steps to take if your information may be at risk. Here are five things you can do to keep your details safe ... (See Data hack) Is overpaying your credit card bill a good idea? -- It's possible to pay more than required on your credit card bill. But whether you do it on purpose or by accident, make sure you know how the overpayment will work, or you could find yourself in trouble ... (See Overpay) Biometrics aim to make payments more secure -- PINs are great for payment authentication, but thieves still find ways to access information. Issuers and payments processors are turning to biometrics to amp up security ... (See Biometrics) Beware fake social media customer service accounts -- While it can feel nice to vent your frustrations online to corporate social media accounts, be aware that Twitter and Facebook are hot spots for cybercriminals, too ... (See Fake profiles) A year on, financial curriculum successful, but flawed -- In 2014, secondary school students started learning about finances as part of the curriculum. The programme has been successful with teachers and pupils, but many feel it could use improvements ... (See Curriculum) Pay friends via mobile with P2P payments -- As plastic and mobile slowly overtake cash, it makes sense that consumers are looking for cashless ways to pay back friends, too. Enter peer-to-peer, or P2P, payments ... (See P2P payments) The dangers of card tarting -- Repeatedly taking out 0% balance transfer deals to avoid interest is known as card tarting. While it can save you some money when done wisely, it can lead to serious problems if you keep and spend on your old cards ... (See Card tarting) Tactfully talking to your parents about money -- Money is an emotive topic, especially between those of different generations. If you have to do it, it's best to know tips on how to be tactful, sensitive and reasonable ... (See Family finances) Ex is an authorised user? They can spend, but aren't liable -- Breaking up with a partner is never easy, but if your monetary accounts are combined, even just as authorised users, things can get more complicated ... (See Ex authorised user) Need a balance transfer? Check your wallet first -- Though it's generally not wise to keep too many unused cards sitting around, if you need a balance transfer, one of those cards could come to your rescue ... (See Old card, new deal) Can social media help you get credit? -- New companies use your social media activity to create a score to help you get a credit product. But don't expect them to replace traditional scores anytime soon ... (See Social media score) Fraud victims not liable for thief's charges -- usually -- If a fraudster uses your credit card, it's frustrating and inconvenient, but at least you're not liable for the costs -- right? Usually not, but in some cases, your bank could deem you responsible ... (See Fraud liability) 5 steps to applying for cards you're likely to get -- It's generally a good idea to avoid applying for too many credit cards at once, but if you keep getting rejected, what choice do you have? However, there are some steps you can take to apply to cards you'll likely be approved for the first time around ... (See Avoid rejection) Devices with saved credit card info dangerous in kids' hands -- Saving your credit card information in your mobile device's app store can be convenient, but in the hands of a kid who doesn't know it's real money, it can be costly ... (See In-app purchases) How to plan out holiday bills -- starting now -- It may seem early to think about December holidays, but three months isn't that long to spread your spending. Get organised now. ... (See Holiday planning) 7 small mistakes that can break your score -- Paying your credit card bills on time and never exceeding your limit are important to maintaining a good credit score, but they aren't the only things you need to do. There are several small things you can do to keep your score at its best ... (See Slip-ups) Which should you choose: Student debit or credit account? -- Students entering university are often getting their first taste of financial freedom, and must make a decision: get a student credit card, or a student bank account and debit? To answer that, you'll need to take a good look at your money habits ... (See Student accounts) Prepare now for Samsung Pay -- When Apple Pay launched in the UK, non-iPhone users may have felt left out. But soon, Samsung owners will get to join the mobile payment action. Here's where and how to use Samsung Pay, so when it launches you can be first off the mark ... (See Samsung Pay) Are you eligible for compensation -- About two million credit card holders can claim compensation for purchasing unnecessary credit card fraud protection. Here's how to determine if you're eligible for compensation, and how to file for it if you are ... (See for mis-sold fraud protection? Mis-sold insurance) Financial capability: Making ends meet, controlling spending -- A recent report on financial capability based on six elements shows many Brits need to hone their financial skills. This short series will give tips on how to improve each area ... (See Control) Alternatives to Apple Pay on the horizon -- If you don't have an Apple device, you might have felt a bit left out when Apple Pay launched. But there's no need to change mobile platforms -- more options are coming soon ... (See Apple alternatives) Financial capability: Staying informed, choosing products -- A recent report on financial capability based on six elements shows many Brits need to hone their financial skills. This short series will give tips on how to improve each area ... (See Products) Computer service scams quietly bilk thousands from victims -- Scammers pretending to be computer services offering to "fix" systems are stealing thousands. But it's not quite as popular as some other scams, so you may not have heard of it ... (See Service scam) Financial capability: Managing money and planning ahead -- A recent report on financial capability based on six elements shows many Brits need to hone their financial skills. This short series will give tips on how to improve each area ... (See Capability) The right -- and wrong-- times to pay bills with credit cards -- There are a few benefits to responsibly using credit for bills. But if you're using plastic in place of income, or only pay the minimum on your card, you can quickly get in trouble ... (See Bills) Smart ways to spend on holiday -- The cost of a family break has fallen in many popular destinations, so many Brits are travelling. But while you're away, don't take a holiday from smart spending ... (See Holiday spending) Tough new EU rules aim to ramp up data breach protection -- Though security technology is advancing, hacking technology is, too. But businesses will soon have a new incentive to stay a step ahead of thieves: starting in 2017, failed data protection will come at a hefty price ... (See Data breach) Points chasing: manufactured spending risks, rewards -- There are many ways to chase rewards. One of the lesser-known, but often higher-earning, methods is manufactured spending. But it can be complicated and risky, not to mention hard to find schemes that work ... (See Manufactured spending) Guaranteeing a loan loaded with risk, responsibility -- Acting as a guarantor to help a friend or relative is generous, but understand what you're getting into before you sign the dotted line. You're in for a lot of responsibility if the principle borrower can't repay, and maybe some risk if you can't, either ... (See Guarantor) How can you improve your financial literacy? -- Financial literacy is important to not only your bank account, but your emotional well-being. As people increasingly make their own major financial decisions, being financially literate is more important than ever. But many Brits need some lessons ... (See Financial literacy) Planning Greek holiday? Plastic still accepted -- for now -- Those travelling to Greece can still use plastic -- including debit, credit and prepaid cards -- at most businesses, but that could change at any time. Here's what's happening, plus what you can do to prepare for a Greek holiday ... (See Greece) Preparing for Apple Pay -- Apple Pay is finally here. Here's how the new mobile payment works, which banks support it, what software it requires and how it protects your information ... (See Apple Pay) Keep only the cards you need -- It's good to have a few cards at hand, but if some are collecting dust, it might be time to think about a cull. Not only will you lighten your wallet, but you might reduce fraud risk or lessen fees. But choose carefully which cards to cut ... (See Close cards) Plastic personality: Unique cards in the UK and beyond -- Issuers often try to entice consumers by offering cards featuring unique art, sports affiliations, unusual rewards or exclusive access. Here are a few examples ... (See Unique cards) PayPal vs. credit cards: Which is the way to pay? -- You might assume that when it comes to PayPal vs. credit cards, one is just as good as the other. While that's often the case, there are a few differences you should note ... (See PayPal vs. plastic) Are you catching bad money habits from friends? -- Keeping company with big spenders can lead to big trouble, as the temptation to "keep up" can ruin the best-laid budget plans. Can you stay friends and stay in the black? ... (See Social debt) Inconvenient, not impossible -- a week without cash -- Cash is still the leading payment method, but if current trends continue, that could change. In light of recent reports on the decline of cash, writer Ben Salisbury decided to see if he could manage for a week without cash ... (See Cashless) Helping an older relative deal with debt -- An Age UK study found that one in four citizens over age 65 are struggling financially. If you're worried about an older relative who has piled up some debt, you aren't powerless to help ... (See Senior debt) Is it possible to be too old for a new card? -- Though many of today's pensioners are among the most financially comfortable members of the population, it seems age can be a restricting factor in getting a new credit card. There are a few reasons why -- and not all are totally on lenders ... (See Age limit) Will debit rewards suffer cutbacks, too? -- The interchange fee cap that took effect in March 2015 has already caused one credit card issuer, Capital One, to reduce perks. In spite of growing debit use and competition, will debit rewards meet the same fate? ... (See Debit rewards) Make money while using your credit card -- If you have a decent credit score, low levels of debt and the discipline to stay on top of several accounts, you may be able to try your hand at some of these ways to earn money by using your credit card ... (See Make money) Emergency credit card a good idea -- if used wisely -- Millions of households rely on credit cards for emergencies. Doing so isn't a bad idea, as long as you follow some basic guidelines and stay disciplined ... (See Emergency card) Helping mental illness patients cope with debt -- Debt and mental illness are not necessarily a package deal, but often someone struggling with one has the other. Spot the signs of a problem and know how to gently help ... (See Mental health) 2 years on: financial education sees lacklustre growth -- Two years into a curriculum that requires financial education for secondary school students, critics say little progress has been made. ... (See Financial education) How to handle a sudden limit increase -- A credit card limit raise can be tempting to take -- after all, it means you're in good standing, right? But before you go along with the raise, make sure you can afford it; otherwise, you could end up racking up debt and paying high interest fees ... (See Limit increase) Negotiating with collections agencies -- You have a fair amount of leverage in negotiations by the time your debt gets handed over to a collections agency. Here are some tactics to try ... (See Negotiate debt) Some US companies fail to comply with UK privacy rules -- The U.S.-EU Safe Harbor Framework was created to protect the personal information of EU residents doing business with certain US companies. However, some US firms that claim to be certified with the scheme, aren't ... (See Safe Harbor) Catching and preventing familial fraud -- Those you know and trust have the most potential to use information against you for financial gain. Here's how to spot red flags of familial fraud, how to protect yourself and how to recover if it happens to you ... (See Familial fraud) Is this the end of credit card perks? -- In March 2015, the EU placed a cap on interchange fees, causing experts to worry that card companies might scale back on rewards programs to recover lost profits. Now, Capital One is the first to put those worries into action ... (See Capital One) 4 places your stolen information may be going -- If you've been a victim of card fraud, chances are the bank got your money back and sent you a new card. But before you canceled the card, and maybe after, crooks work to profit from your details. ... (See Stolen information) Protect yourself from card-not-present fraud -- Despite a drop in overall credit card fraud, one particular type is on the rise: card-not-present (CNP) fraud. Though merchants should be wary and take precautions against CNP fraud, you should also take steps on your own ... (See CNP fraud) Old debt? You may be covered by statute of limitations -- It's never wise to leave debt unpaid. However, the law protects you from being pursued for debt years after it went into arrears. Here's how the statute of limitations on debt works ... (See Statute-barred) Prevent unwanted subscriptions on your card -- With details buried in fine print, consumers often don't realize they've agreed to a monthly subscription when signing up for a "free trial". There are ways to undo it, but it's mostly up to you to prevent it happening again ... (See Subscriptions) Beware 'joint and several' agreements -- If you share a utility bill, a joint loan, a tenancy agreement or a bank account, you have entered a "joint and several" agreement. If your cosigner bails, you're in charge of repaying the debt. And if you don't, it's your credit on the line ... (See Joint and several) Make the most of balance transfer deals while they last -- Need to clear some debt, and have a reasonable credit record? A balance transfer card might be a good choice for you, and now is the time to act, as a "balance transfer war" has many issuers vying for the longest 0% period ... (See Balance transfer war) Think carefully before lending to family, friend -- Loaning to a friend or family member is common, but can cause friction. Close relationships can blur the boundaries between a loan and a favour. Think carefully before you lend, and know how to keep your friend liable ... (See Family loan) What to consider before adding authorised user -- If you're thinking of adding your spouse, child or someone else to your credit card account, consider carefully. It's a good deal for the secondary user, but could lead to major problems for you ... (See Authorised user) A guide to debt advice organisations -- If you're in debt trouble, figuring out where to turn for help can be a problem in itself. There is sometimes a fine line between a legitimate company and a money-hungry business. Here are some signs that can confirm you're in the right place ... (See Debt advice) 6 ways to reduce your risk of financial fraud -- As you shop, bank and socialise online, you need to be on your toes when it comes to security. Every step you take online may be visible to criminals if you don't take precautions to keep your information secure ... (See Online fraud) Debt collectors: Know your rights -- If you're being chased for money, it's important to know what is and is not allowed. Here are four major no-nos for debt collectors, and how you can make your case ... (See Collections) Debate continues over what new fee cap means for you -- Soon, there will be a cap on the amount credit card companies can charge merchants for accepting credit cards, also known as interchange fees. Here's what the cap will mean for you ... (See Interchange fee) What to consider before closing credit card account -- Whether you want to purge all credit or just lighten your wallet, cancelling a card account deserves consideration. Here's what you should factor in ... (See Cancel card) 'Buy now, pay later' offers can leave you with debt headache -- "Buy now, pay later" deals may lure you in with discounts, but if you don't pay off your balance, you could end up paying more than you would have in the first place. Here's how you can avoid getting stung ... (See Buy now, pay later) Credit card demand means better products, more approvals -- Consumers are benefiting from an increased demand for credit cards, with new, better products on the market (including some tempting long-term balance transfer deals) and more approved applications ... (See Demand) How to spot and prevent cashpoint skimming -- Despite ongoing efforts to thwart card skimming at ATMs, tech-savvy thieves continue to steal money by tampering with the machines. To keep your money safe, look for these red flags ... (See Skimming) Consumers asked to vote on -- The FCA will soon ask consumers who purchased certain credit card insurance policies between 2005 and 2013 to vote on a compensation scheme. Here's how it will work and who is eligible for compensation ... (See mis-sold insurance compensation Compensation) Guide to travel rewards schemes -- If you travel frequently, a travel rewards card may be a good option. The key to these cards is the same with other rewards cards: don't spend just to earn points, and find one that fits with your life and travel styles ... (See Travel rewards) What is APR and how is it calculated? -- Whether you're new to credit or have been swiping for years, it's important to understand your interest rate. APR is a term you'll hear often, and you need to know how it's calculated, how it's applied and how it impacts your payments ... (See APR) Payday loan cap could push borrowers to illegal lenders -- The FCA recently imposed interest and fee caps on payday loans. Though the new rules generally work in favor of consumers, some experts worry about where the neediest borrowers will turn ... (See Payday loan cap) Could Apple Pay help mobile wallets take off in the UK? -- Mobile wallets have been the topic of many conversations, but so far, they haven't become widely popular in the UK. However, the arrival of Apple Pay for iPhone users may be able to change the mood ... (See Mobile wallets) 9 good habits of clever credit card users -- Many Brits promise to get their finances in order, but what constitutes "in order"? Try setting some tangible, specific goals instead to get on track -- and stay there ... (See Habits) Understanding and avoiding credit card fees -- Understanding the fees associated with a credit card is vital to staying out of debt. No matter how long you've had your plastic, take some time to review the most common fees ... (See Fees) What to do if you're chased for debt that's not yours -- When you get chased for debt that's not yours, in addition to being very distressing, it could negatively impact your credit worthiness. Don't ignore the callers -- try to sort things out with them directly; if that doesn't work, follow these steps ... (See Wrong debt) How safe is unverified, contactless card technology? -- Small contactless credit card transactions go through with no PIN or signature needed. Despite the popularity of these transactions, there is still concern about their safety -- concern that some experts say is overblown ... (See Contactless safety) 3D Secure: the online equivalent of chip-and-PIN security -- Many consumers worry about their card's safety online, even if they are regular shoppers. But Visa and MasterCard have come up with an online equivalent to chip-and-PIN technology: 3D Secure ... (See 3D Secure) Protect yourself from vishing scams -- Phone fraud, called vishing, is becoming more popular as criminals target the elderly and others who put their trust in phone callers. Learn the signs of a vishing scam and how to tell a real bank caller from a thief ... (See Vishing) Understanding gift card risks -- Shoppers looking to give gift cards should research what they're buying to avoid disappointment. Know what kinds of gift cards are protected even if a company goes bust, and which ones aren't regulated ... (See Gift card rules) Survival strategies for shopaholics at Christmas -- For many, though December is a big shopping month, passing up unnecessary sales and sticking to a budget is no problem. But for those with a spending addiction, the glitzy displays could lead to a pile of debt ... (See Shopaholics) Rebuild your score with a credit-building card -- A poor credit record can harm your chances of getting financial products in the future. Fortunately, you can rebuild your score. In addition to good payment behaviour, you can apply for a credit builder card to gradually repair your score ... (See Rebuild) Stop debt collectors digging up dirt on social media -- Debt collections agencies have certain rules to follow, but some of them cross the line. One newer method is using information from social media accounts to use against you. Know your rights and how to tell when you're being harassed ... (See Social media) Fraud more likely to occur with travel purchases -- A holiday requires a lot of planning, and credit card security may not always make the to-do list. But it's vital that you squeeze it in -- according to FICO, travel purchases are the most likely to lead to fraud ... (See Travel fraud) Protect yourself from fraud while shopping online -- As the winter holidays approach, Brits will spend more time and money shopping online, whether at the computer or via their mobile devices. Online shopping presents a special set of security risks, so take preventive steps before you click "purchase" ... (See Online safety) Small businesses especially vulnerable to data breaches -- Small businesses are vulnerable to data breaches via software viruses and hacked payment systems. But if you own a small business, there are steps you and your employees can take to protect your company ... (See Small business breaches) Your options if your card issuer changes your agreement -- If you've ever breached your contract on a special credit card deal, you know the issuer can take the deal away. But it's another thing if your see your terms and conditions changed for no apparent reason ... (See Conditions) How to cope with a rising interest rate -- If predicted rate hikes happen, here's what you need to know - and what you need to do ... (See Rate hike) Football cards not best deals, but entice die-hard fans -- Football team-affiliated credit cards have long been ways for fans to show their support and get perks such as team merchandise or special opportunities. However, these cards don't typically offer the most competitive interest rates ... (See Football) Could mobile payments replace your plastic? -- Mobile payments have been grabbing headlines, and they certainly have the potential to revolutionise the way people pay for goods and services -- but could they oust plastic as the preferred purchase method? ... (See Mobile payments) Tax office cracks down on unreported credit card revenue -- The Inland Revenue is urging independent merchants and small-business owners to sort out tax affairs as it cracks down on undeclared debit and credit card income. If you have unreported card revenue, it's time to come clean, or you could face penalties ... (See Tax crackdown) What the Wonga write-offs will mean for payday borrowers -- Thousands of consumers who received payday loans from Wonga will have their debts written off. But if you're one of those consumers, you may have questions, including how the write-off will affect your credit score and future credit ... (See Wonga write-offs) Why is student credit card debt rising? -- New data suggests that though students pay their credit cards on time, the amount they spend on them is rising. According to experts, both rising living costs and plain careless spending contribute to the problem ... (See Student debt) 4 tips for avoiding balance-transfer traps -- The recent balance transfer craze has worked in most consumers' favour, but for those who struggle to manage what they owe, balance transfer deals could lead to more trouble ... (See Balance transfer) Transferring airline miles possible, but not easy -- Thanks to rewards credit cards, heavy travellers can rack up points to use toward future flights. What happens, though, if a person stops flying? We surveyed five of Britain's top airlines to learn about their transfer policies ... (See Transfer miles) Determining if cashback is right for you, and which card best suits your needs -- If you're considering applying for a cashback credit card, there are plenty to choose from. It's important to consider where you most use your credit card, and if the cashback deal is worth potential extra costs, such as an annual fee ... (See Cashback options) The dangers of social spending -- and how to avoid them -- Chances are, you've bought a round of drinks or dinner you couldn't afford to save face in front of friends. But pricey nights out add up and if you use your credit card to cover the gap, you could pay for those drinks for months to come ... (See Social spending) Buyer's remorse: avoiding credit card purchase regret -- Here's how to avoid buyer's remorse - and what you can do if you regret a purchase already made ... (See Buyer's remorse) Bank rules may allow rejected claims of account fraud -- If your bank account is compromised, your first reaction would likely be to call your bank, report the breach and get your money back. But you may find your bank's terms allow the institution to reject your claim ... (See Rejected claim) What can you expect from a debt advice service? -- If you're struggling with debt, you have lots of options, including debt counselling. Debt advisers can help you assess your situation, work with creditors and form plans for the long and short term to get you on track ... (See Debt advice) Two universities make credit card education priority -- Many British students head off to college or university without understanding the basics of credit cards. But two universities are implementing credit education for newcomers, with hope that others will follow ... (See Credit education) Using plastic to get cash abroad -- When travelling, it's important to be able to get cash without being hit by poor currency conversion rates and fees. There are many ways to get cash abroad, but some methods are a bit less costly than others ... (See Cash abroad) The cost of a poor credit rating -- A bad credit score can affect future credit, future jobs, even the cost of your bills. Take care of your score to stay in lenders' good graces. If you've already made some mistakes, take steps now to get on the right track ... (See Poor rating) Making budgets work when money is tight -- When all your money goes to bills and necessities, it's hard to see a reason to budget. But budgets work for any household. Before you scoff at budgeting, try making -- and sticking to -- one ... (See Tight budget) 6 signs you need a summer financial reset -- In January, you may have made some financial resolutions, such as, "I will not put off paying my bills." Now that the year is half over, it's time to determine if you kept your promises or if you need to buckle down and make changes ... (See Reset) When is it time to stop paying your kids' debts? -- When you pay off your grown child's debt, you're likely just trying to help them out. But if you don't allow them to experience debt or learn money management skills, you may be doing more harm than good ... (See Kids' debt) Is it a good idea to use a credit card to start a business? -- Many startups rely on credit cards to get a new business going. But that seemingly easy path can lead to a long road of debt if you don't manage it wisely ... (See Startup) Authorised overdrafts becoming more expensive for some -- Traditionally, authorised overdrafts were a cheap way to borrow money, as long as you had an overdraft facility in place and didn't exceed your allowance. But that's not always the case anymore ... (See Authorised overdrafts) FCA: Unauthorised credit providers put consumers at risk -- With big banks tightening credit, borrowers are turning to the Internet to find new lenders. But the Financial Conduct Authority is urging consumers to beware the growing number of unauthorised firms ... (See Unauthorised) When it makes sense to not pay off your credit card -- Experts often advise that you pay off your credit card balance in full each month to prevent racking up interest. However, sometimes it might make sense to pay the minimum and use the rest of your money elsewhere ... (See Minimum) How easily can frausters hack contactless payments? -- More Brits are using contactless and mobile payments. But the tap-and-go trend has security experts concerned about how easily fraudsters can steal data from such payments ... (See Contactless) Consumer Rights Directive gives advantages to online shoppers -- New regulations give added protections to online shoppers, in accordance with a European Union directive. In addition to addressing refund policies, the new rules also change how retailers inform consumers about fees ... (See Directive) How payments will evolve in the next decade -- Have you ever wondered how you will pay for items in 10 years' time? The payments world changes so quickly, it's almost hard to keep up. Right now, the future seems full of plastic and mobile payments, with nary a paper payment to be seen ... (See Payments) Consider prepaid card for your World Cup travels -- With World Cup fever gripping the country, many football fans are still travelling to Brazil. Given the high Brazilian crime rate, and shortages of Brazlilian real, plastic, especially prepaid cards, may be your smartest choice for your travels ... (See World Cup) Who charges credit card surcharges -- and why? -- Though the government ruled surcharges must be proportionate to the cost of processing, these charges weren't diminished altogether. You'll see them especially in airlines and travel firms ... (See Surcharges) Avoid late payments -- factor in processing time -- Despite immediate, online payments, it may take a couple of days for your credit card payment to go through. Remember to account for that time when you make your payments ... (See Processing) FCA investigates: Is credit card market fair for all consumers? -- The Financial Conduct Authority is taking a much more consumer-focused approach than the former credit card regulator. The FCA wants to establish whether banks treat struggling customers fairly ... (See FCA review) Experts look back on financial lessons learned -- Nobody is born with instant money skills. We all learn as we go, even financial experts. We've asked a few of those experts to share how they learned some of their most valuable advice ... (See Lessons) Are you a candidate for Debtors Anonymous? -- Compulsive spending can be a problem for anyone -- rich, poor or in between -- especially when credit cards are so easily accessible. But millions have found help through the free group Debtors Anonymous ... (See DA) Don't let nontraditional loans lure you to debt -- Many Brits turn to nontraditional providers (that is, lenders other than banks and traditional credit cards) to get their money faster. But these forms of borrowing come with high interest and payments ... (See Nontraditional) Three reasons for your card's expiry date -- You probably know the month and year your card expires. But when the date comes around, you might wonder: why does the card have to expire at all? Here are a few reasons ... (See Expiry date) Plastic with prestige: Cards that signal wealth status -- Though we might not like to admit it, most of us have, at some point, dressed to impress. Whether it's a designer suit or glittering jewellery, the message is clear: I'm doing well. Even pulling out a certain credit card can signal to others your status ... (See Fancy cards) Are your emotions getting you into debt? -- Whether you're riding a high or combating a low, your mood has more impact on your spending than you think ... (See Mood) Skip the fine print, skip vital information -- Many of us skim the terms and conditions of credit card agreements with glazed eyes. But, in accordance with the law, every aspect of your agreement is spelled out in the fine print, so don't skip it ... (See Contract) Borrowing up, interest down -- but for how long? -- Thanks, in part, to the recent "balance transfer" war, borrowing is up, and interest is down. But as soon as 0% balance transfer periods are over, many Brits may be facing steep interest ... (See Borrowing up) Gap year can teach valuable financial lessons -- Each year, hundreds of young people take a gap year before university. For many, it's the first time they'll handle their own finances, which can provide valuable lessons ... (See Gap year) Should kids and credit cards mix? -- It's never too early to teach your children about handling money, or what debt is. But what should they know before they get a card of their own? ... (See Kids and plastic) Firsthand account: There's no such thing as a free holiday -- Our reporter chose British Airways American Express credit card for the Avios that come with every purchase. But four months later, she wonders: Was this a smart move? ... (See Avios drawback) Abundance of Avios not always enough -- If you apply for an Avios rewards credit card in the hope of getting free flights, you may be in for a nasty surprise -- hefty charges, payable only in money, not miles ... (See Avios surcharges) Card clash: What is it, and how to avoid it -- Recent issues have highlighted problems surrounding contactless technology. Oyster card readers picked up signals from other contactless cards in train-riders' wallets, causing "card clash" ... (See Oyster cards) Old-style scams increasingly used by fraudsters -- Thanks to chip and PIN, credit card fraud is down in the UK. But now, criminals are turning to old fraud techniques: pickpocketing, phone and email scams, and trying most common PINs and passwords ... (See Old-style scams) 7 smart ways to use plastic on holiday -- Credit cards offer a number of travel-related protections and perks. Here's how to use your plastic to its full potential ... (See Plastic on holiday) Prioritising debt: Which bills are essential? -- If you are unable to pay all of your bills, it may be time for financial triage. Prioritise your debts, pay the essentials and work out a payment plan with the remaining creditors ... (See Prioritise) Social media is open door for thieves, lenders -- Your social media profile is likely giving out information to people you'd rather not see it. But Brits are unconcerned with privacy issues ... (See Social media) Retailer refusing a refund? A credit card may help -- Broken or faulty items, stolen goods and services from companies that go bust are frustrating. The good news is, if you paid for those items with a credit card, you can get your money back ... (See Protection) FCA takes over consumer credit regulation -- The FCA has been regulating financial services for nearly a year. In April, it will take on the activities of the Office of Fair Trading as well. The FCA is expected to bring closer scrutiny to issues that have riled consumers and their advocates ... (See FCA) 8 reasons your card may be declined -- Understanding why cards get declined may help you avoid rejection at the till -- and take action if you do find yourself in that position ... (See Declined) Watch out for credit repair services -- If you have made mistakes with your credit, you may be tempted to use a credit repair agency. But that path is strewn with perils -- so much so that regulators are planning new moves to oversee it ... (See Credit repair) Good money habits contribute to good relationships -- While there is, of course, no way to predict how any relationship will play out, you may be able to glean clues about what kind of person your partner is from his financial habits ... (See Money and love) What's mine is yours -- unless we split up -- Ending a relationship is hard enough but joint finances complicate things further. Whether your love is brand new or on the way out, it’s wise to know how to settle your finances if you should decide to separate ... (See Split up) Digital wallets slowly gathering momentum -- Smartphones are reshaping the way consumers interact with retailers, so it makes sense that more digital wallets are cropping up. But security concerns have consumers hesitating to jump on the trend ... (See Digital wallet) Get up to speed on your credit report -- Do you know what's really on your credit report? Understanding what information is collected is the first step to making sure your record is as good as it can be when you apply for credit ... (See Report) Many applicants denied best balance transfer deals -- Many balance transfer cards now offer 0% interest for extended periods of time -- up to 30 months, in some cases. But a large number of applicants are not getting the deal they hoped for ... (See Denied) Living without a credit card -- About a third of the adult population don't have a credit card, which raises the question: How do they do it? Not having a credit card might seem crazy, but it has benefits, too ... (See No credit card) To improve finances, create a better mindset -- If you are feeling down about your debts or the over-spend on your credit card from the last few months, don't despair. Use your feelings of debt regret to start the year with a new attitude toward money management ... (See Debt regret) Balance transfer deal may not cure financial hangover -- In January, 0% interest balance transfer deals are abundant. But using one to tackle holiday debt might not be the best idea ... (See Balance transfers) Halifax credit card customers will feel base rate hike -- Despite previous insistence that the base rate does not impact its credit card interest rates, Halifax says card rates will now increase when the base rate does ... (See Rates) More Brits using rewards credit cards -- Research shows more Brits are applying for rewards cards and that loyalty points influence how and where we shop. In the economic crisis, it's expected that shoppers will find more ways to save. But rewards cards can be tricky ... (See Rewards) Fact or myth? Test your credit rating knowledge -- Many Brits have misguided information as to what affects their credit rating. Credit report experts clear up common questions and misconceptions about credit reports ... (See Myths) 10 tech-savvy ways to protect yourself from online fraud -- The battle with cybercrime is never-ending -- it seems that as we find a solution to one problem, two more problems crop up in its place. But the convenience of online shopping is unbeatable. Try these tech-savvy tips to combat online fraud ... (See Security) Dangers of "churning" cards for bonus points -- Opening and closing multiple credit card accounts to take advantage of introductory offers such as rewards points or waived annual fees might sound appealing, but lenders are making it harder to do -- plus, it's not great for your credit ... (See Sign-up bonuses) How to claim compensation from RBS meltdown -- Many RBS customers were unable to use their credit cards or access their bank accounts on Cyber Monday. If you were one of them, find out if you qualify for compensation and how to ask for it. ... (See RBS compensation) Companies urged to scrap costly customer service lines -- High street banks, credit card companies and insurers are urged to do away with premium rate inquiry and complaint phone numbers ... (See Complaint lines) How to handle credit card debt while unemployed -- As unemployment rates have spiked, so has credit card debt. If you have debt but no new income, there are still ways to handle your payments and keep your credit intact ... (See Unemployment) Giving back with your credit card -- As budgets get tighter, charities are developing new ways to receive donations. This Christmas, you can give to the cause of your choice with your credit card without breaking your bank ... (See Charity) Older borrowers may still be rejected for credit -- Despite legislation to prevent age discrimination when it comes to loans and credit, some older borrowers may still be rejected if lenders can justify their decision ... (See Age) Savvy Christmas shopping with your credit card -- Christmas is fast approaching, and many consumers are starting (or already started) their shopping. There's good reason: shopping now can ease the bill, plus you can take advantage of early deals ... (See Savvy) Why you shouldn't lie on a credit application -- Getting credit has become more difficult, and, as a result, you may be tempted to bend the truth on a credit application. But lenders likely know more than you might think ... (See Lying) Shopping for the right supermarket credit card -- It's no surprise that supermarkets offer their own credit cards to entice you to shop at their stores. But choosing the right card for your needs can be tricky if you don't do some research ... (See Supermarket) What does "APR" really mean? -- The term "Annual Percentage Rate" is thrown around a lot in discussions about credit cards. Most of us know that a low APR is ideal, but we may not really understand how it’s calculated ... (See APR) Your heart is ready for a furry companion, but is your wallet? -- Pets can be great companions and often are as much a part of the family as any human. But, like humans, pets have many financial needs ... (See Pets) Your guide to student finance -- Loans are an obvious solution for covering university expenses, but they are not always enough to cover the price of student living ... (See Student costs) To keep or not to keep? -- Letting go of financial documents with personal information is never easy, especially when you don't know if you might still need it. Knowing when it's safe to shred can make all the difference ... (See Shredding) What the credit card insurance compensation agreement means -- Customers who were mis-sold certain types of insurance with their credit cards are eligible for compensation under a package announced by the Financial Conduct Authority ... (See Agreement) Don't let identity fraudsters ruin your holiday -- Having your identity stolen is a sure way to ruin a holiday. ID theft can affect your credit rating and your ability to apply for credit-based products, and resolving your financial affairs can be time consuming. Here are some ways to protect yourself ... (See Fraud) Should you convert to new Emirates rewards cards? -- MBNA has launched two new reward credit cards. They allow users to collect the airline's frequent flier miles, Skywards Miles. But how do the cards stack up against Avios rewards cards? ... (See Emirates) Could a card fee cap mean the end of free banking? -- The European Commission has proposed a cap on the fees banks charge when processing plastic payments. Some are concerned consumers will be the ones picking up the slack ... (See Fee cap) Picking a balance transfer card -- Transferring a balance requires careful thought. Do the math and figure out which card offers the best deals for interest, fees, and introductory incentives for your particular situation. ... (See Transfers) 5 tips for using rewards cards wisely -- Many credit cards promise vouchers, money off deals, points and free flights in return for spending. The secret to success with these cards is not to overspend to achieve the rewards ... (See Smart rewards) Use your card abroad -- without foreign transaction fees -- Going abroad can mean extra expenses, including foreign transaction fees. The small group of credit cards that don't charge such a fee just got a bigger ... (See Foreign transaction) Child-rearing costs are putting parents over 60 in debt -- A rising number of people nearing retirement are struggling with debts from supporting their teenaged and adult children, and the trend shows no sign of slowing down ... (See Over 60) How to add a notice of correction to your credit reports -- If you have less-than-perfect credit or mistakes in your credit reports, a notice of correction lets you tell your side of the story ... (See Notice of correction) How safe are contactless cards? -- As more consumers and retailers adopt contactless payment technology, incidences of "phantom" charges and duplicate bus fare charges have been reported ... (See Contactless problems) Does applying for credit hurt my credit? -- When you apply for credit, it leaves a mark on your credit reports. Too many such marks can damage your credit rating, but not all inquiries are the same ... (See Credit searches) Experts share money lessons learned from Dad -- We asked some personal finance experts to share what they learned about finances from their fathers' good -- and sometimes less-than-perfect -- examples ... (See Father's Day) How to make debt payoff less of a slog -- Paying down debt can be freeing. But the process can be a slog. If you're paying down a large debt, victory can be years away, and staying motivated can be half the battle ... (See Debt free) Turned down for credit? What to do next -- You applied for a credit card only to have the lender say "no thanks." Instead of getting frustrated, find out what went wrong -- and make yourself a better credit candidate ... (See Rejected for credit) How long do credit slip-ups stay on your credit report? -- If you've made late payments or filed for bankruptcy in the past, the damages will be chronicled in your credit report. But how long must you pay for past transgressions? ... (See Slip-ups) Four credit card problems that can ruin a holiday -- The convenience and consumer protections credit cards offer can make them good travelling companions. However, these card-related problems could derail your holiday ... (See Card problems) An emergency credit card can come to the rescue -- Ideally, everyone would have an emergency fund. But if setting aside several thousand pounds isn’t realistic, an emergency credit card is a good back-up ... (See Emergency card) Common credit card fees and how to avoid them -- Using credit doesn't have to cost you. Although all cards will have some sort of costs and fees attached, most are avoidable, assuming you pick the right card and use it correctly ... (See Fees) 4 things not to say to loved ones who are in debt -- If a loved one confesses debt problems to you, chances are, it has taken them a lot of courage to do so. So make sure you say the most supportive thing ... (See What not to say) That wasn't the APR I applied for! -- If you see a great credit card deal advertised, you might not get the low interest rate flaunted in the ad, especially if you have a poor credit history ... (See Risk-based APR) Best credit cards for over-50s -- Consumers over age 50 are making mistakes when it comes to credit cards, recent research says. We've rounded up some credit cards that offer the best deals for this age group ... (See Over-50s) How to prioritise your debts -- If you have many debts, don't just pay the collector who is hassling you the most. You'll need to prioritise each debt by the consequences of non-payment ... (See Debts) Does the surcharge ban go far enough? -- This month has seen the long-awaited ban on credit card surcharges finally come into effect. But does it go far enough? ... (See Surcharge) How to play dynamic currency conversion game -- If you’re traveling abroad (and taking a UK-issued card with you), beware of being duped into paying more for your purchases via dynamic currency conversion ... (See Dynamic currency conversion) Car hire credit card charges: A nasty post-holiday surprise -- Your holiday at an end, you drop off your car at the car hire firm and head home. A few weeks later, a £300 charge appears on your credit card. What happened? ... (See Car hire) Currency cards can ease money hassles abroad -- Currency cards hold much appeal for international travellers, letting you lock down an exchange rate. Yet there are some small-print clauses to know about ... (See Currency cards) How to take advantage of the balance transfer war -- The past month has seen credit card providers go to war in the balance transfer market. Here's how to take advantage of the stiff competition ... (See Balance transfer) New consumer watchdog to get tough on financial firms -- There's a new consumer watchdog organisation in the UK, which consumer advocates hope will make it much more difficult for financial firms to mislead consumers ... (See Financial reform) Can creditors take my wages? -- If a court orders you to pay your debts and you still don't pay up, your creditors have one more weapon in their arsenal -- an "attachment of earnings order" ... (See Wages) 3 cards for credit newcomers -- If you're brand new to credit, credit card providers won't exactly be eager for your business. Here are three cards that will help credit newcomers prove themselves ... (See Credit-building cards) Tackle your debt with these 5 payoff strategies -- It can be hard to decide how best to approach debt. Try one of these five strategies to get started ... (See Tackle debt) When it might make sense to get a store card -- Experts generally warn consumers against taking out store cards. But are they always a bad idea? Here's when you can say "yes," to the clerk's sales pitch at the till ... (See Store cards) Editor's pick: best sign-up bonuses 2013 -- Free points, vouchers and accelerated earnings: Here are some of the most tempting sign-up deals on offer at the moment -- and what to consider before snagging them. ... (See Sign-up bonus) Financial disassociation: How to get a credit divorce -- When you share credit with someone, the credit agencies will link you, often even after the account is repaid. A financial disassociation lets you cut those ties ... (See Financial disassociation) How to get your credit report, score -- It's best to know what's in your credit report before a lender does. Here's a comprehensive guide to checking your credit reports and credit scores ... (See Credit report, score) Payday lenders face severe crackdowns -- Payday lenders have 12 weeks to shape up – or risk being shut down, according to an announcement from the Office of Fair Trading ... (See Payday loans) Are debt consolidation loans a smart financial move? -- Rolling your debts into a debt consolidation loan may ease your stress. But debt charities warn that, without proper planning, debt consolidation can be dangerous ... (See Debt consolidation) Lots of credit going unused in UK -- More than £50 billion of credit remains available to UK borrowers. Is this a good trend or something cardholders need to be wary of? ... (See Unused credit) What we buy and how we spend: A decade of change -- The Payments Council took a look back on the past decade in a February 2013 report, which found that Brits are splashing out on fun -- and moving toward a cash-free lifestyle ... (See Spending statistics) Financial education coming to the classroom -- Adults often learn money lessons the hard way. Starting in 2014, children in the UK will start learning those lessons years in advance -- in secondary school. ... (See Financial education) Debt payoff strategy: slash your food budget -- With food getting more expensive, how can you preventing it from eating up more of your budget? Here are some tips for saving money on food without compromising meal quality ... (See Frugal food) New rules set to curb aggressive bailiffs -- The government has announced new rules intended to prevent aggressive bailiff behaviour. What will change? And do the new rules go far enough? ... (See Bailiffs) Why young consumers are credit shy -- Almost half of consumers under 35 years old have no interest in using credit cards, research has found. Here's why young people are so credit-averse ... (See Credit shy) A 0% card for damaged credit -- too good to be true? -- A card from Capital One offers the perks of 0% balance transfers to those with less-than-perfect credit. But is it really a good deal? ... (See Damaged credit) Personal finance experts share love and money tips -- Buying your Valentine roses is nice. But what about having a heart-to-heart talk about money? We asked the experts how to get the conversation started ... (See Love and money) 6 signs you’re headed for credit card trouble -- You'd be hard pressed to find someone who handles their credit card perfectly. But there are some sins that will cause your credit rating to fall from grace ... (See Credit trouble) Glimmers of optimism appear among financial gloom -- With Christmas debt looming and warnings of a triple-dip recession in the headlines, you might think consumers are feeling pessimistic about their finances. But recent research shows otherwise ... (See Optimism) Personal loans v credit cards: What's the best way to borrow? -- With loan rates at an all-time low, and the average credit card interest rate currently above 17.3%, is it better to take out a personal loan rather than a credit card? ... (See Loans v credit cards) Your post-bankruptcy game plan -- After years of struggling with overwhelming debt and creditors, bankruptcy can be a relief -- and a fresh start. That fresh start, however, is rife with obstacles ... (See Credit after bankruptcy) How to react to an interest rate hike -- If your credit card company writes you to say your interest rate is going up, you don't have to simply accept it. Here are 4 ways to respond ... (See Rate increase) Ditch your bank and switch to a credit union? -- Credit unions gained more than 500,000 new customers in 2012. Should you follow them? Here's what to know before making the switch ... (See Credit union) How to manage shared accounts -- Here's how you can share a credit card, bank account or mortgage - and what you need to know before you do ... (See Sharing a card) How chargebacks can get your money back -- If you used plastic to pay for goods or services that fell short of the seller's promises, a chargeback could come to the rescue ... (See Chargeback) Self-employed vulnerable to credit card debt, study shows -- Striking out on your own as a freelancer or business owner has its risks -- and one of them may be piles of debt, research has found ... (See Self-employed) Third of Brits would use windfall to pay off debts -- What would you do with an extra £1m? Research has found that Brits have an interesting mix of priorities for an unexpected windfall, from paying off debt to splurging ... (See Windfall) The longest balance transfer deals in the UK -- Looking to move high-interest credit card balances to lower-interest card deals? Here are eight of the longest 0% balance transfer deals on the market ... (See Balance transfer) How to get out of debt in the new year -- If extra spending during the festive season and on New Year sales items added to your existing credit card balances, it's time to face the music
... (See New year debt) Millions of Britons have no household budget -- Budgeting is especially vital in times of austerity and rising living costs. But recent research has discovered that many Brits are budget-dodgers ... (See Budgeting) Half of consumers risk being swallowed by credit gap -- Half of all UK adults are at risk of being denied credit by mainstream lenders, research says. Here's why you might fall into the credit gap -- and how to work your way out ... (See Credit gap) How young is too young for a prepaid card? -- Children as young as 8 can now get prepaid cards. Is this a recipe for disaster -- or a good opportunity to educate kids about plastic? ... (See Kids and money) Do you need to go into debt to get out of debt? -- Some debt management companies charge fees for the services they provide -- but they're not always better at getting people out of debt, experts say ... (See Paying for debt help) 5 financial resolutions to make 2013 a better year -- Need help finalising your New Year's resolutions for 2013? We asked five financial experts which money-related goals consumers should be setting ... (See Resolutions) Children expect less for Christmas than parents think -- Parents and their children seem to have very different expectations when it comes to Christmas gifts, two recent surveys show ... (See Gifts) 5 fun ways to wrap a gift card -- Gift cards often feel like a last-minute, thoughtless gift when we're buying them, but polls show they are one of the most sought-after gifts. But that doesn't mean you can't make it fun for the recipient to open ... (See Fun packaging) Contactless card payments now accepted on London buses -- Londoners can now pay for bus travel using contactless credit, debit or charge cards. Here's what you need to know before using this new wave-and-pay feature ... (See Contactless) Brits trying to spend less on Christmas dinner -- Families are using a variety of budgeting methods to bring down the costs of the Christmas feast -- from eating leftovers to avoiding hosting duty ... (See Christmas dinner) Christmas shoppers targeted by seasonal scams -- With Christmas shoppers (and their wallets) out in force, so are seasonal scammers. Here are some new -- and tried-and-true -- scams to watch out for ... (See Christmas scams) Could proposed law cap credit card interest costs? -- A bill recently introduced to the House of Commons takes on the infamous debt spiral. If the bill becomes law, it could cap credit card interest payments ... (See Credit card debt) How to be frugal and festive: Money bloggers share their tips -- How can families enjoy Christmas without breaking the bank? We asked four personal finance bloggers for their festive frugal tips ... (See Thrifty Christmas) Christmas debt relief: Best balance transfer deals -- A well-timed balance transfer can help you shed Christmas debt quickly. Here's a look at some of the most competitive deals on the market ... (See Balance transfers) Many over-50s plan to spend more this Christmas -- Older Britons say they are willing to spend a little extra on a merry Christmas for their families despite the struggling economy ... (See Christmas shopping) Could your germy credit card make you ill? -- Do you wash your hands after shopping? Levels of bacteria detected on credit cards are equal to that you would expect to find in a dirty toilet bowl ... (See Credit card germs) Credit card companies roll out 2012 Christmas promos -- Credit card providers are joining in the holiday festivities. Here's a roundup of some of the card-related discounts, bonuses and contests on offer ... (See Christmas promos) 5 rules to follow if you're unemployed with debt -- Unemployment is difficult for most -- yet those already in debt carry a particularly heavy load. Here are 5 rules to follow to keep your financial picture intact until you find a new job ... (See Job loss) Think twice before writing out a credit card cheque -- Credit card cheques are a paper form of your plastic, offered by banks as a convenience in case you can't pay by card. But think twice before using them. ... (See Credit card cheques) Best low-interest credit cards for Christmas shopping -- If you think you'll be carrying a balance into the new year, minimizing your interest costs is the way to go. Here are some of the best low-interest cards for Christmas ... (See Low-interest cards) Brits lack redundancy safety net -- A worrying proportion of Britons would not be able to stay out of debt if they lost their job, new research has found. Nearly a third have less than £250 set aside ... (See Savings) Credit card travel insurance could protect you from holiday nightmares -- You know that your credit card can come to your rescue if you need emergency funds. But did you know it could come to your rescue if you're stranded or injured while travelling? ... (See Travel cover) 4 traits that make you a good rewards card candidate -- Reward cards aren’t for everyone. Before you apply for one, take an honest look at your life and personality and make sure you embody these four traits ... (See Rewards) Are you suffering from 'banxiety'? -- The double-dip recession has left many households with little disposable income. Yet instead of carefully counting their pence, people are simply avoiding their bills ... (See Banxiety) CCJ: Three letters you never want on your credit report -- If someone is planning to take you to court to recover money you owe, take action quickly. If you don't, you could end up with a black mark on your credit file ... (See CCJ) How to talk about money with ageing parents -- Talking about money is taboo in many families. Yet, as your parents age, it's something you might not be able to avoid. Here are some tips for broaching the subject ... (See Ageing parents) Brits willing to stretch budgets for Christmas -- Despite economic troubles, Brits seem intent on having a merry Christmas, an HSBC survey reports. One in five say they'll spend more than in 2011, and men in particular are comfortable with using a credit card to finance the festivities ... (See Christmas costs) Can credit card debt expire? -- Being chased by collectors for very old credit card debt? If you learn your rights and keep your mouth shut, you may never have to pay it ... (See Old debt) Why to avoid claims management companies -- If your bank sold you useless payment protection insurance, a claims management firm will gladly fight for you. But you're probably better off fighting for yourself ... (See Claims management) 3 tips for a successful no-spend day -- Could you go an entire day without spending any money? No-spend days can be great financial detox. Here's how to pull one off successfully ... (See No-spend day) Pay by handshake: The way of the future? -- Would you pay by thumbprint, jewellery or handshake? These are just some of the future payment possibilities, according to Payments Council predictions ... (See Future) Understanding your credit card contract: A 5-step guide to the small print -- Your credit card contract contains a lot of important information. Unfortunately, it's also probably quite long. Here's a quick guide to the fine print ... (See Contract) You've finished school. Now how do you pay for it? -- With tuition fees increasing and the job market shaky, new grads may find themselves with crushing debt and low (or no) incomes. Here are some tips for managing student debt ... (See Uni debt) Brits turn to overdrafts as credit remains scarce -- Credit is hard to come by for those with poor credit histories. And that leaves some consumers with one place to turn -- their overdraft ... (See Overdraft) Section 75 and what it can do for you -- Section 75 is a useful piece of consumer protection. If the goods you buy with a credit card are faulty or never show up, it can get you a refund ... (See Section 75) A closer look at the new Barclaycard Cashback card -- Barclaycard's new cash-back credit card promises returns of 6% -- the highest on the market. Here's a look at the fine print ... (See Cash back) 4 reasons to steer clear of store credit cards -- If you've shopped at a major retail chain, you've probably been offered a store card at the till. Here are four reasons to say "no thanks" ... (See Store credit cards) What you need to know about the new FICO-Equifax credit risk score -- A new credit risk score being piloted by FICO and Equifax claims to let lenders measure how well you'll handle future debt ... (See Credit score) Younger women taking control of household finances -- Women under 45 are taking over their families' financial planning, new research suggests. Older women are expected to follow suit within 10 years ... (See Family budget) Charging out of control: How to recognize and battle shopping addiction -- The term "shopaholic" often gets flippantly applied to those who enjoy the occasional shopping spree. But when does spending cross the line into truly addictive behaviour? ... (See Shopping addiction) Credit cards can make -- and break -- small businesses -- Credit cards can provide instant access to funds -- and keep struggling new businesses alive. They can also bury them in high-interest debt ... (See Small business credit cards) New students face greater financial struggles -- This year's tuition increases will see new university students turning to loans, part-time jobs and mum and dad to stay afloat, according to research from Lloyds TSB ... (See Tuition) 6 questions to ask when a relative asks for a loan -- When a family member asks for a loan, it can be hard to say no. Here are 6 questions to ask yourself before offering a financial lifeline to a loved one ... (See Loaning money) 3 rewards card mistakes that lose you money -- Are you sabotaging your rewards card earnings? Rewards cards offer many money-saving perks, like air miles and cash back -- but only if you use them well ... (See Rewards mistakes) Contactless payments doubled during Olympic Games -- The numbers are in. Visa's attempts to push contactless payments at the Olympic Games paid off. But will enthusiasm for the technology persist after Olympic spirit wanes? ... (See Contactless) Your wallet was stolen. Now what? -- Having a wallet or handbag stolen can be an administrative nightmare. And, if the thief gets your credit cards, you could lose a lot more than the cash you were carrying. ... (See Stolen wallet) Football affinity credit cards are fun for fans -- but not the best deal -- Football affinity credit cards let you support your favourite team. Yet, compared with other credit card offers, they're not the strongest players on the pitch ... (See Football affinity cards) How to make your adult children financially independent -- By trying to make sure your children have a soft landing into adulthood, are you actually preventing them from flying the nest in the first place? ... (See Young adults) How to track your spending without going mad -- You've heard the advice: To control your spending, track your expenses. Here's how to do so with minimal time and fuss -- and without complicated spreadsheets ... (See Expense tracking) Credit cards vs. payday loans: What's the best way to get emergency cash? -- We pitted credit cards and payday loans against each other to see which comes out on top as the best (and safest) way to borrow money ... (See Credit cards vs. payday loans) Brits hiding cash -- and debt -- from partners -- Hiding a pile of debt or a stash of cash from your partner? You're not alone. According to a recent survey, billions of pounds are being kept secret ... (See Hiding debt) Government pushes forward on surcharge ban -- The long-promised crackdown on excessive debit and credit card surcharges could finally be in sight, as the government asks for public feedback ... (See Surcharges) Your student credit card study guide -- School leavers heading off to university this autumn might be tempted to get a credit card to help with expenses. But would they be better off without one? ... (See Student credit) Ready or not, contactless cards are coming your way -- With banks and retailers alike pushing the technology, a contactless card is likely in your future. Here's what to know before using it ... (See Contactless payments) New mobile payments partnership enters the fray -- MasterCard and communications giant Everything Everywhere have their sights set on mobile payments domination ... (See Mobile payments) Why was my credit limit cut? -- Credit card issuers often work in mysterious ways. And that means even cardholders who play by the rules might see their credit limits cut ... (See Credit limit) Expert Q&A: Fitting your credit card into your long-term financial goals -- Credit cards are generally seen as a short-term borrowing tool. But how do they fit into your bigger financial picture? We asked financial adviser Martin Bamford ... (See Financial planning) Summer holidays break the bank for many families, study shows -- For kids, the school holidays are a break. For parents, however, they can mean financial stress, according to the latest numbers from Aviva ... (See Summer expenses) Gambling and credit cards are a dangerous combination -- Credit cards make it easier to spend money you don't have -- and that's a problem when it comes to gambling. Here's what to know before using plastic to place a bet ... (See Gambling) Debt relief orders: A lifeline, but not an easy way out -- If you're buried in debt, a debt relief order (DRO) could get you out in as little as one year. Sound good? Just remember that DROs have serious consequences ... (See Debt relief orders) Thieves go for cash instead of cards -- To avoid foreign transaction fees and declined credit cards, many travellers use cash when visiting foreign countries. Yet that makes them easy targets for thieves ... (See Theft) Blogger Q&A: My first credit card -- That first credit card can an excuse to spend, a valuable lesson -- or both. We asked two personal finance bloggers to share the story of their first brush with plastic ... (See First credit card) How to make money transfer credit cards work for you -- As a rare perk, some credit cards allow you to move money into a bank account. Here's how credit card money transfers work -- and some traps to avoid ... (See Money transfer credit cards) Credit card debt weighs heavily on pensioners -- Pensioners on fixed incomes are turning to credit cards to make ends meet -- and many are finding themselves trapped in a cycle of debt ... (See Pensioners in debt) Amid austerity, UK consumers turn to rewards cards -- Rewards credit cards are seeing a surge in popularity, according to American Express. But cardholders may not be using them as strategically as they could be ... (See Rewards) 4 steps for fighting debt denial -- If you have ever avoided opening a bill, or you try not to think about the money you owe on your credit card, you could be suffering from debt denial ... (See Pay off debt) Olympic spirit fuels rise in credit card spending -- The London Olympic Games may be giving a boost to card spending on food, drink and sporting goods, according to recent numbers from Visa ... (See Olympics) Don't want a credit card? Here's why you might need one -- If you're on top of your finances and don't need to borrow money to make ends meet, you might think you don't need to use credit. But think again ... (See Using credit) Costumers have need for speed when it comes to payments -- Customers are becoming increasingly self-sufficient and anti-establishment when it comes to paying, according to research from the British Retail Consortium ... (See Shopping) How to prepare for your first meeting with a credit counsellor -- Admitting you have a debt problem is the first step to tackling it. The next? Asking for help. Here's what to expect from your first meeting with a credit counsellor ... (See Debt help) 3 signs your relationship is headed for financial trouble -- Rows about money may be inevitable for many couples. But how do you know when you've move beyond a typical marital spat into the danger zone? ... (See Couples and money) New card for young people doubles as ID -- A variety of prepaid cards promise to give children a head start on using plastic responsibly. Now, a new card promises to give kids another benefit of adulthood ... (See Prepaid cards) Taking your card on holiday? Using it overseas could cost you -- If you're jetting off overseas to escape the dismal British summer, taking the wrong credit card could bump up the cost of your holiday ... (See Using credit cards abroad) Is the new Asda cash-back card a good deal? -- Supermarket Asda has been making headlines with its new cash-back credit card. Is it a good deal? Or can you find a better cash-back card elsewhere? ... (See Asda card) What are 'chip-and-signature' cards? -- Entering your PIN to make a purchase is an action that's automatic and simple for most. But not for everyone. That's where "chip-and-signature" cards come in ... (See Chip-and-signature) How to complain about your credit card -- If you think your credit card company or bank has treated you unfairly, don't suffer in silence. Here's how to file a complaint -- and make sure that it's heard ... (See Credit card complaints) Credit card cash advances: Use only in case of emergency -- If you need cash, and your bank account is dried up, it might be tempting to take a credit card cash advance. Yet this "easy way out" could cost you ... (See Cash advance) 5 things to know about your minimum payment -- The minimum payment for your credit card is the amount you must pay by the due date to avoid penalties. Simple, right? In fact, there's a lot more to know about this number ... (See Minimum payment) For Irish debtors, bankruptcy 'tourism' offers a way out -- Ireland is notorious for its tough bankruptcy laws. The UK, however, is much more lenient -- and that has led to what's called "bankruptcy tourism" ... (See Bankruptcy) Airlines agree to be upfront about surcharge fees -- Airlines continue to make extra money off of debit card surcharges -- yet now, some have agreed to be more honest about them ... (See Surcharge fees) How to milk your travel rewards card -- Are you jealous of the rewards junkies who travel the world using their credit cards' rewards points? We asked three frequent flyers how they do it ... (See Travel rewards) Blogger Q&A: How I'm teaching my kids about money -- Do you find it difficult to talk to your kids about money? We asked Budget Mummy blogger Fiona Service about the tough money lessons she's teaching her kids ... (See Kids and money) Expert Q&A: A guide to downshifting -- Downshifting means living on less -- much less. Although it's not easy, it can help free up money for paying down credit card debt. Here are some tips from life coach and downshifter Sally Lever ... (See Downshifting) Why landlords and employers want to see your credit file -- You may already know that mortgage lenders, loan providers and credit card issuers see your credit reports. But did you know that landlords and potential employers might also want to take a peek? ... (See Credit checks) Should you get a prepaid card for your child? -- A prepaid card can be a convenient way to give your children spending money while also teaching them how to budget ... (See Prepaid cards) Falling credit card balances may not be good news -- Even with the pinch of the recession, UK consumers are keeping their credit card balances low. Good news, right? Not necessarily ... (See Card balances) Your credit card guide to the London Olympics -- If you're lucky enough to have tickets for the Olympic Games in London this summer, your wallet will probably get a work-out. Here's your guide to paying for it all ... (See Olympics) New credit card scam preys on victims' caution -- A new scam has victims literally handing over their credit cards to thieves. Even those who are cautious with their personal information might fall for this one ... (See Courier scam) Stealing from children: Thieves prey on kids' identities -- It's not just adults who need to be concerned about identity theft and fraudsters opening credit in their names. Kids can be victims too. In fact, they can be easy targets ... (See ID theft) How payments have changed during the Queen's reign -- This summer, Queen Elizabeth II celebrates 60 years as a monarch. A lot has changed in the payments world since she took the throne. Here's a look back ... (See Diamond Jubilee) A guide to the bankruptcy process -- Considering going bankrupt? Bankruptcy can be an opportunity to start over. Just be prepared to lose almost everything ... (See Going bankrupt) AmEx teams up with Foursquare for deals program -- FourSquare and American Express have teamed up for a new program that promises to streamline the deal-finding process for bargain hunters ... (See Deals) If a thief steals your credit card, will your bank refund you? -- If the bank suspects you've been careless with your credit card or PIN, it might be tricky to get a refund after a thief runs up charges ... (See Card theft) Tips from the pros: Sorting your financial clutter -- Bills, bank statements and debt piling up? We talked with two personal organising experts about how to bring some zen to your financial life ... (See Financial clutter) If your airline loses your luggage, will your credit card come to the rescue? -- You've reached your holiday destination. But your bags weren't so lucky. If you have the right credit card however, you could get refunded for your losses ... (See Luggage coverage) Parents do more harm than good by shouldering children's debt -- It's natural for parents to want to protect their children. But some are going too far, by paying their bills, lending them money and taking out loans and credit cards for them ... (See Financial lessons) How to fix mistakes in your credit report -- You don't have any outstanding debt, so why were you turned down for that loan? There could be a mistake on your credit report. Here are some common ones -- and how to fix them. ... (See Credit report) On the job hunt? Check your credit report first -- If you're looking for a job, you had best polish your credit report in addition to your CV. Some employers do credit checks on potential employees ... (See Credit checks) Credit counsellors share consumers' biggest credit card mistakes -- We all make credit mistakes -- and credit counsellors have seen them all. We asked the counsellors at National Debtline about the biggest credit blunders consumers make ... (See Credit mistakes) Continuous payment authorities: clearing up the confusion -- Have you ever set up a recurring payment ? Then you may have a continuous payment authority (CPA) linked to your credit card or draining your account ... (See CPAs) Wireless Festival lets revellers go cash-less -- This year's Wireless Festival is giving concert-goers the option of leaving their wallets at home entirely by embracing contactless payment technology ... (See Wireless Festival) 10 tips for your first credit card -- Used wisely, your first credit card can help you build a good credit record. Just don't get so excited about your new piece of plastic that forget to read the fine print ... (See First credit card) Credit cards that will make you feel like a VIP -- Looking for some special treatment from your credit card? Here are some of the exclusive benefits you can get if you have good enough credit -- and enough money ... (See VIP cards) Money woes prevent couples from starting a family -- The economic downturn is forcing many to delay things they can't afford. For many British couples, that includes having children ... (See Recession) Thrifty bloggers share easy ways to get frugal -- Not cut out for the "frugal" lifestyle? We asked four UK frugal bloggers for thrifty tips anyone can use ... (See Frugal bloggers) The 5 biggest balance transfer mistakes -- A balance transfer can help you make your credit card debt less expensive -- if done correctly. If you make one of these mistakes, however, it can cost you ... (See Balance transfer) Debt crash diet: Do you have the discipline for an IVA? -- IVAs can keep you out of bankruptcy. Yet, as with going on a strict diet, you'll have to make sacrifices -- including giving up credit cards ... (See IVA) New guide translates credit card rights into plain English -- The legal jargon in consumer protection laws makes it nearly impossible to understand your credit card rights. That's why the UK Cards Association has put together a new guide ... (See Rights) Editor’s pick: Five user-friendly prepaid cards -- Prepaid cards let you use plastic without the risk of debt and interest charges. Here are five prepaid cards with user-friendly terms and manageable fees
... (See Prepaid) How to cancel a credit card -- Got a credit card you don't use anymore? Cancelling a card isn’t as simple as cutting it up. Here’s how to make sure it's out of your life for good ... (See Closing a credit card) Brits defy recession with £36 billion summer holiday plans -- More Brits plan to go on holiday in 2012, despite the possibility of a double-dip recession. Many are using credit cards to fund their vacations
... (See Summer travel) Q&A: Why I live without credit cards -- Can you imagine living without a credit card? For some, going card-less means freedom from bills and debt. We talked with one young woman about her plastic-free life ... (See Living without credit) New Equifax app lets you check your credit on your phone -- Equifax has launched a smartphone app that allows users to keep tabs on changes to their credit reports ... (See Equifax) Editor’s pick: Travel rewards cards with no annual fee -- The hidden costs of travel rewards credit cards can eat up the money you're trying to save. With travel season on the way, here are five cards without annual fees ... (See Rewards) Can credit card debt make you sick? -- You know that your credit card debt is hurting your credit score. But it could be hurting your health, too. Experts explain why ... (See Debt and health) Consumers 'cynical' about online shopping security -- Consumers may think shopping and banking online is dangerous, but they’re doing it anyway, according to a recent survey ... (See Online security) Charity credit card offers improving -- but are they the best deal? -- In theory, charity credit cards are perfect -- you can spend as usual and donations are automatic. But you may not be donating as much as you would like, and the card may have a hefty APR to top it all off ... (See Charity cards) Blogger Q&A: How I got out of debt -- Getting out of debt can be an uphill battle. Many give up. Blogger Lee Smallbone, however, continued the fight, paying off £15,000 within a year ... (See Debt) Personal finance bloggers confess their biggest money mistakes -- Uk.CreditCards.com asked some personal finance bloggers to reveal their biggest financial missteps -- and, more importantly, what they learned from them. ... (See Money mistakes) Christmas in April? One in seven still paying for the holidays -- Although Christmas was more than three months ago, a study by Halifax shows that many are still paying for their holiday debts ... (See Credit card debt) How to use your credit limit to your advantage -- You might see your credit limit as a way for your card issuer to control you. Yet understanding your limit can help you leverage it into a better credit score ... (See Credit limit) 6 things you need to know about overdrafts -- What happens when you overdraw your bank account? Here are six things you need to know about overdrafts -- and how much they'll cost you ... (See Overdrafts) A “bad credit” credit card can help you escape the dreaded credit Catch-22 -- Those with bad credit often find themselves in this frustrating situation: They need to build a healthy credit history, but nobody will extend them credit ... (See Bad credit) Men splurge on cars, women on clothes: The gender gap in credit card spending -- Men splurge on cars, while women splurge on clothes, according to a recent Santander Cards survey on credit card spending habits ... (See Gender gap) Debt payoff strategy: Renting out a spare room -- If you’re struggling with credit card debt, renting out a spare room in your home might seem like an easy fix. Yet many first-time landlords make costly mistakes ... (See Lodgers) Being too credit-shy can backfire -- Fear of debt might convince some consumers to do without credit cards altogether. However, being credit-shy could hurt your financial future ... (See Credit-shy) Modern Brits expect cash to go extinct -- As credit cards and debit cards get more popular, Brits are becoming less likely to use cash. More than one-third believe cash will go extinct in 15 years ... (See Cash or plastic) Owe a friend some money? What you need to know about mobile money transfers -- Mobile money transfers make sending funds to a friend or family member as easy as sending a text ... (See Mobile transfers) What's keeping mobile payments from going mainstream? -- Smartphones are already commonplace -- but UK consumers are still wary of using them to make mobile payments, a recent survey says ... (See Mobile payments) Are payday loans replacing credit cards? -- Payday loans have a bad reputation. Yet many UK consumers may be turning to them now that it's more difficult to qualify for a credit card ... (See Loans) Young bloggers share the money lessons they've learned -- Many young people are feeling the sting of a bad economy. Here are some tips for the under-30 crowd from four young UK money bloggers ... (See Money lessons) 5 tips for finding a financial adviser you can trust -- Here are some tips for finding a good financial adviser -- and avoiding unqualified ones ... (See Financial planner) Debit and credit card fraud hits 11-year low -- Good news -- credit card fraud fell in the UK. Why? Consumers are more cautious, and improved technology is thwarting many criminals ... (See Fraud) 70% of Brits have problem debt, yet many in denial -- Seven in 10 Brits have debt problems, according to the Co-operative Bank. But, instead of attacking their debt head on, many are ignoring it ... (See Debt) Boku and MasterCard team up for mobile payments -- Boku and MasterCard have joined forces and are entering the mobile payments ring with Boku Accounts smartphone app ... (See Mobile payments) Debt payoff strategy: selling your stuff -- Selling your stuff can help you free up cash to pay down debt. An online selling aficionado shares her tips for making money off the things you don't need ... (See Sell your stuff) Many Brits lack emergency funds. Here's how to build yours -- An emergency fund can be vital if you have medical problems or lose your job. Yet many Brits couldn't survive a week on what they've saved ... (See Emergency savings) Airlines still charging fees ahead of surcharge ban -- The ban on excessive airline surcharges goes into effect at the end of 2012. In the meantime, some airlines are trying to make money off the fees while they still can ... (See Surcharges) What happens if you miss a credit card payment? -- Late payments and a credit score dip are just two consequences of missing a card payment. Here are some others ... (See Late payment) Blogger Q&A: The Diary of a Frugal Family -- Cass Bailey chronicles her family's frugal life on her blog, The Diary of a Frugal Family. Here are her tried-and-true money-saving tips ... (See Frugal family) More Brits taking lodgers to pay debts and bills -- With many Brits struggling to make ends meet, a growing number are renting out spare rooms in their homes to lodgers, according to recent research ... (See Renting) UK consumers find credit cards useful -- but confusing -- UK cardholders intend to carry on using their credit cards -- but they're not fans of the small print that comes along with the plastic ... (See Credit card confusion) Is payment protection insurance right for you? -- Payment protection insurance can cover you if you can't pay your credit card debt. But some Britons are ending up with coverage they don't need and can't use ... (See PPI) UK households showing first signs of recovery? -- Economic conditions are still rough in the UK. But a recent survey suggests that an increasing number of families are making ends meet ... (See Recovery) UK personal finance bloggers share their money mantras -- Need some inspiration to get out of debt? We asked three of the top personal finance bloggers in the UK for their money mantras ... (See Money bloggers) Many UK families dangerously close to financial ruin -- UK families are in trouble, a report has found, with millions of UK households paying more than 25% of income on debt repayments ... (See Household debt) Expert Q&A: A personal finance site for women -- Do women and men handle money differently? That's one question author and personal finance journalist Sarah Pennells tackles on her website, SavvyWoman ... (See Women and money) One in four expect to see partner's credit report -- Before combining finances with a partner, more than a quarter of Brits want to do a credit check-up first, a recent study has found ... (See Couples and credit) Does credit card debt die with you? -- What happens to credit card debt when you die? Can you inherit credit card debt? Much confusion surrounds the issue of debt and death ... (See Dying in debt) Fall in household debt no cause for celebration -- The good news: UK household debt fell in December. The bad news: Consumers' lack of confidence could be the reason for that drop in debt ... (See Household debt) UK teens have low financial awareness, survey says -- Many young people in the UK might be using their credit cards without knowledge of basic financial terms and principles, a study has found ... (See Teens) The 10 credit card commandments for students -- Many young people in the UK are struggling with credit card debt. To help, here are the 10 credit card commandments for students ... (See Student cards) Businesses using credit cards to pay tax bills -- Struggling businesses have found a risky way to weather the economic downturn -- paying their tax bills with their credit cards ... (See Paying taxes) How you pay might influence how you feel -- A recent study has found that consumers feel better about a product if they use credit cards, instead of cash, to pay for it ... (See Spending behavior) Credit card fraud could be on the rise -- In an uncertain economy, some may be turning to lives of crime. Several types of credit card fraud have increased over the past year, a recent report has found ... (See Fraud) UK targeted by bank-robbing malware -- The latest version of SpyEye's malware kit doesn't just let hackers rob your bank account. It makes it look as if the money is still there ... (See SpyEye) Brits plan to reduce personal debts -- Despite growing signs of optimism in recent months, perceptions of household finances may have taken a turn for the worse ... (See Household bills) UK consumers being extra cautious with credit -- UK consumers became increasingly credit shy last year, even as the holiday shopping season revved up, according to new data ... (See Credit card spending) How to deal with debt collectors -- Debt collectors are required by law to obey certain rules. Yet not all do. That's why it's important to know when collectors cross the line ... (See Debt collectors) Britons have an appetite for debit -- Brits are putting a lot of money on their debit cards, new research from Visa Europe has found. They are also doing a lot more shopping online ... (See Debit cards) Choose the right card to fund your child's gap year -- If your child is about to jet off on a gap year, you might want to arm her with a credit card. Just make sure it's the right card -- and that your child knows how to you use it ... (See Gap year) Credit card spending fell in 2011 -- Although post-holiday credit card balances might make it hard to believe, new research suggests credit card spending was down in 2011 ... (See Credit card spending) How to protect yourself from charity fraud -- Fraudsters are scamming those who open their wallets to worthy causes. Here's how to make sure your money reaches those in need ... (See Charity scams) 4 ground rules to set before co-signing a credit card -- If you have good credit, a loved one may ask you to co-sign a credit card. Doing so might hurt your credit if you don't lay some ground rules first ... (See Co-signing credit cards) UK credit card limits on the rise -- Many consumers have had their credit limits cut in the past few years. But new research reveals that credit card limits have begun to rise again ... (See Credit card limits) The pros and cons of sharing credit cards -- Before sharing a credit card with a loved one or family member, be sure you understand what it could mean for your credit score ... (See Sharing credit cards) Is going contactless the way of the future? -- Contactless payments could be growing in popularity in the UK. They might even make shoppers more comfortable with smartphone mobile payments ... (See Contactless payments) Holiday debt prompts credit card spending? -- UK households could be relying more on their credit cards this month as they recover from holiday debt, according to data from the Post Office ... (See Holiday debt) 4 spending habits to practice before next Christmas -- The credit card bills from all your holiday shopping are now arriving. If you're experiencing debt regret, here are some tips for breaking the cycle next Christmas ... (See Spending habits) 4 tips for getting a refund for a faulty gift -- If you received -- or gave -- a defective gift during this holiday season, here are some tips for getting a refund from the merchant or your credit card company ... (See Gift refund) 5 resolutions for credit card holders -- You may be looking to improve your overall financial outlook in the new year, but credit card holders should consider some credit-specific goals, especially those with debt ... (See Credit card resolutions) 5 creative money lessons for kids -- Do your kids know how to manage money and debt? Here are some tips for teaching them these vital lessons. ... (See Money lessons) Victory declared for consumers over foreign currency charges -- Leading high street banks have committed to cutting currency charges and improving overall customer service for those buying money for travelling ... (See Foreign currency fees) How to prepare for the next financial storm -- Experts are predicting that the UK may be headed toward another double dip recession. Here's how to make sure you aren't caught off guard ... (See Savings tips) 6 prepaid credit card fees to watch out for -- If you're thinking about signing up for a prepaid card, watch out for excessive fees. Here are six of the most common fees to look out for when comparing prepaid cards ... (See Prepaid card fees) A guide to the most common bank fees -- Many bank fees are avoidable. However, there are also a variety of fees that nearly everyone has to pay at some point. Here's a guide to the most common bank fees, along with tips for getting around them ... (See Bank fees) Brits pay the price for multiple Christmas days -- Many Brits are expected to pay a small fortune hosting friends and family over this festive period, as the multiple holiday parties and family gatherings begin to add up ... (See Holiday spending) How to avoid unnecessary fees on budget airlines -- Budget airlines are famous for tacking extra fees onto cheap flights, making the total cost a lot more expensive than advertised. However, it's possible to avoid many of these fees ... (See Airline fees) Survey: Debt, Tight Access to Credit Among Brits' Top Concerns -- British households are facing a tough financial landscape. Access to credit has tightened, personal debt remains high and incomes are dropping, according to new research from the Bank of England ... (See Consumer trends) Consumers expect inflation to remain high in 2012 -- Britons have little hope of inflation dropping back to desirable levels, according to research from the Bank of England. Meanwhile, two-fifths expect interest rates to rise ... (See Inflation expectations) Experts: Remain vigilant while holiday shopping -- Many people still need to improve their security standards while shopping online or on the high street, especially around the holidays, according to new research ... (See Secure shopping) 5 offbeat ways to wrap a gift card -- Giving away a gift card doesn't have to be boring. Here are five creative and quirky ways to wrap a gift card and put a smile on your friend or family member's face ... (See Gift card ideas) One in three could face Christmas debt hangover in 2012 -- Every year, Christmas shopping leaves many people in significant debt. This year, 31% of Brits are expected to be left in debt by the end of the festive season ... (See Holiday debt regret) How to negotiate a lower credit card APR -- At a time when everyone is feeling the pinch, achieving a lower credit card APR could help give you a little extra money each month. However, you will have to ask for it first ... (See Credit card terms) Debt relief: 3 alternatives to bankruptcy -- Times are tough. If you have more debt than you can pay, you may be considering bankruptcy. However, there are other options available to you ... (See Debt relief) Where to get debt help -- If you're currently grappling with overwhelming credit card debt, help is available. Here's a list of some of the best free resources available to UK cardholders
... (See Debt help) What you need to know about debt management plans -- If you're struggling with excessive debt, you may come to a point where your debt is simply too overwhelming to handle yourself. A debt management plan can help, but you have to be careful about which one you choose ... (See Debt management plans) Brits ahead of the pack when it comes to online shopping -- British consumers have been quick to embrace new technologies, including paying for items over the internet and making purchases with their smartphones ... (See Consumer trends) UK gets first contactless payments wristwatch -- Make payments with your wristwatch? It sounds like an innovation straight out of a science fiction film. But it's real in the UK: Brits can now make payments from their wrists thanks to an innovative new product ... (See Contactless payments) 6 Christmas credit card tips for shoppers -- Households are gearing up for the holidays amid the growing possibility of a slip back into recession. Here are six tips for making sure your Christmas remains affordable ... (See Holiday shopping tips) UK consumers 'paying less off credit cards' -- Research shows that Britons are paying less off their credit card balances and relying more on cash advances than at any time over the last two years ... (See Credit card bills) 6 questions to ask when comparing prepaid gift cards -- Some shopped-out consumers are opting for prepaid gift cards instead of traditional gifts. But make sure you compare cards before buying -- many prepaid cards come loaded with fees ... (See Prepaid gift cards) Accept credit card payments with your smartphone -- As of Dec. 1, businesses will be able to process debit and credit card payments on the move, as long as they have a smartphone or tablet computer ... (See Mobile payments) Women 'face higher online card fraud risk' -- Young women are most likely to become victims of credit card fraud, say researchers, because many of them fail to adopt simple security measures. Here's how to avoid the same fate ... (See Credit card fraud) Millions plan to card hop this year -- Some 1.9 million people are set to switch credit cards over the next 12 months because the interest-free balance transfer period on their existing card is about to expire, new research suggests ... (See Credit card trends) 5 financial questions you should ask your partner before getting married -- Getting married is exciting. But it's also a huge financial commitment. Here are five essential questions you should ask your partner before you walk down the aisle ... (See Marriage and money) Editor's Choice: Best balance transfer credit cards 2011 -- If you're looking to transfer your high-interest credit card debt to a card with a lower APR, it pays to shop around. Here are our picks for some of the best balance transfer cards on the market ... (See Balance transfer cards) Mobile purchases of Christmas gifts set to double -- The number of people using mobile devices to purchase Christmas presents is likely to more than double this winter, new research suggests ... (See Holiday shopping trends) How to change the due date on your credit card -- Have you ever considered trying to move your bills around to better fit your schedule? One of the easiest types of bills to move will be your credit card. Here's what you need to know to get it done ... (See Credit card due date) 'Secret Santa' could keep Christmas costs down -- Frugal families are trying out a range of money-saving tricks to keep holiday expenses down, including adopting the 'Secret Santa' approach to gift buying ... (See Holiday spending) More Brits are turning to payday loans for unexpected costs -- UK consumers are increasingly turning to payday loans instead of overdrafts or credit cards in order to pay unexpected bills, a survey suggests ... (See Payday loans) 4 wrong ways to pay off credit card debt -- If your credit card bill is due and you're short on cash, it can be tempting to take out a cash advance or use another card to pay the bill. But the temporary solution could wind up backfiring ... (See Debt repayment tips) Experts: Contactless payments won't take off without retailers -- Contactless won't take off without the retailers, say experts. More merchants need to support the new technology in order for it to become commonplace in the UK ... (See Contactless payments) Bankers expect credit problems to worsen -- Eurozone conditions are proving a concern for personal lenders, according to a new report. Lenders across Europe are predicting a jump in the number of consumers who default on their loans ... (See Consumer lending) How to rebuild your financial life after bankruptcy -- Filing for bankruptcy can feel like one of the lowest possible points in your life. However, don't despair. With some time, patience and care, it is possible to rebuild your financial life ... (See Life after bankruptcy) 6 rules for dealing with joint credit card debt during a divorce -- Divorcing a spouse can be hard on your finances. Here are six rules for dealing with your joint credit card debt so that your divorce is less financially painful ... (See Divorce and debt) Study: Nearly half of Brits haven't saved for the holidays -- Too many Brits are headed for a post-holiday debt hangover, according to a recent study. Four out of 10 say they don't budget for Christmas and nearly half say they haven't saved for the holidays ... (See Holiday budgeting) Video: Is the UK debt problem under control? -- The recession is technically over; but millions of Britons are still struggling. If you're wondering just how bad the debt crisis is in the UK, here's a video that presents some startling statistics ... (See UK debt video) Teen girls cast wary eye on student debt -- Teenage girls tend to be more pessimistic than teenage boys about their ability to afford university and pay off their student debts, according to a recent study ... (See Teen money ) Editor's Choice: Best low interest credit cards 2011 -- If you're prone to carrying balances on your credit cards, a low interest credit card could save you a significant amount of money. Here are our picks for the best ones on the market ... (See Best low interest cards) Study: Store card spending drops by 20% -- Fewer Brits are pulling out their store cards, according to new research. The Finance & Leasing Association estimates that store card spending dropped by a fifth since last summer ... (See Card spending trends) A visual guide to your credit rating -- If you're scratching your head and wondering what a credit rating is, why it matters and how it affects you, here's a visual guide to everything you need to know ... (See Credit rating infographic) UK consumers 'fearful of mobile payments' -- Phone hacking fears have put consumers off mobile payment systems, suggests new research. A recent study found that nearly half of all UK adults are concerned about mobile security ... (See Mobile payments security) Olympics vending machines may go contactless -- Drinks giant Coca-Cola is reportedly in talks with Visa over bringing contactless payment vending machines to the 2012 Olympics ... (See Contactless card payments) Editor's pick: 5 great personal finance apps -- There are plenty of free or low-cost personal finance apps available that can help you track your budget on the move. Here are our picks for the top five on the market ... (See Personal finance apps) One in five need over a year to clear debts -- A significant proportion of Britons have outstanding credit card balances and many will need several months to clear their debts, according to new research ... (See Card debt) 6 tips for dealing with debt stress -- Financial worries and debt are major causes of stress and can lead to a variety of problems, including anxiety and depression. Here's how to take control of your financial future and reduce your stress ... (See Debt stress ) How to rebound from a poor credit score -- All it takes is a few missed card repayments for consumers to build up a poor credit history and be rejected by mainstream lenders. However, it's possible to bounce back, says Equifax ... (See Credit score) 5 common credit score mistakes -- Most people know that missing a credit card or loan payment will negatively impact your credit score. However, even small, inadvertent mistakes can drag down your score ... (See Credit score mistakes) 8 factors to consider before your next balance transfer -- To get the best deal, it's essential that you plan ahead and determine how much the transfer will cost. Here are eight factors to consider before you switch to a new card ... (See Balance transfer tips) Survey: Brits 'more committed to spending than saving' -- The average British adult spends £3,804 on credit card payments each year, which far exceeds the amount set aside by the typical saver ... (See Card trends) Brits say they would pay £3 to top up mobile wallets -- The vast majority of Britons with smartphones would consider using their devices to make mobile payments, a new survey has found, and many say they would even pay to top up their mobile wallets ... (See Mobile wallets) How to fight inflation with a credit card -- The Bank of England warned that the UK's inflation rate could soon rise to its highest point since September 2008, making it even tougher on families to make ends meet ... (See Save with credit) Equifax and FICO team up on new credit scoring tools -- Equifax and FICO are teaming up to provide lenders with new analytical tools that will make it easier for them to assess applicants' future creditworthiness ... (See Next generation credit scores) How to extend the life of your air miles -- It's a frustratingly common experience: You slowly build up your air miles until you have just enough to take your dream vacation, leave your card alone for awhile and then find out your air miles expired ... (See Air miles ) Report: Brits' appetite for credit has waned in recent years -- A new report from the UK Cards Association shows that credit card usage rose and then fell in Britain during the 2000s, after peaking around the middle of the decade ... (See Credit card trends) Will prepaid cards replace cash and cheques? -- Prepaid credit cards are rising in popularity across the UK. But are they destined to replace cash and cheques as a favourite alternative to credit? Maybe, says our correspondent ... (See Prepaid cards) Over-55s struggle with rising unsecured debts -- The financial situation of Britain's older generations appears to be worsening, with growing numbers of over-55s finding themselves deep in unsecured debt, according to the latest research from insurance group Aviva. ... (See Debt in retirement) 4 locations that are infamous for pay-to-use ATMs -- It can be tempting to use the closest ATM, rather than look for your bank or building society's ATM. However, be careful: Those fees can quickly add up. Here are just some of the locations that you should watch out for when running low on cash ... (See ATM fees) PayPal unveils future payment technologies -- The e-commerce company is getting ready to introduce new, faster ways to pay for goods and services -- which the company promises will revolutionise checkout ... (See Payment innovations) How to plan a frugal wedding -- Now that summer wedding fever is almost over, it's time to start scoping out deals during the off-season. Here's how to plan your wedding without ruining your budget ... (See Budget wedding) Study: Worst consequences of recession 'still to come' -- The effects of the recession on household finances are just starting to be felt and could continue for up to 10 years, according to researchers at the Institute for Fiscal Studies ... (See Household finances) Editor's Choice: 4 fun credit card rewards -- There are more to credit card rewards than cash-back and air miles. Many cards also feature unique rewards packages that you can use to inject a little fun and excitement in your life. Here are our picks for four of the most interesting rewards on offer ... (See Rewards) More consumers are checking their credit -- The number of people checking their credit data -- including their credit reports and their credit ratings -- has jumped in recent months, according to credit reference agency Equifax ... (See Credit) 4 signs that your credit card is a bad fit -- We are creatures of habit and often keep hold of credit cards just because we can. But if you consider your situation, you may find that your current credit card no longer fits your needs ... (See Credit) Brits show appetite for contactless card payments -- The majority of UK consumers who have used contactless payments are impressed with contactless technology and want it to be more available, a new survey has found ... (See Contactless payments) How to safely get rid of an old credit card -- Have an old credit card that you'd like to dispose of for good? Whatever you do, don't throw it away. Instead, follow these expert tips to make sure that when destroy your card, your personal information stays safe ... (See Card tips) How to build a more effective budget -- Most people have their own idea of how to budget. But many aren't doing it properly. Here's a step-by-step guide to building a better budget so that you can live well on less ... (See Budget) Editor's Choice: The best air miles credit cards -- Dreaming of free flights and other credit card perks? An air miles credit card can be a great way to earn valuable rewards -- but choose your card wisely. Here are our picks for the top three on the market ... (See Air miles) 4 tips for shopping online without breaking your budget -- If you are armed with a credit or debit card and a computer, you could do some serious damage to your bank account in just a few minutes. Here are some tips for shopping online and staying within budget ... (See Shop) 5 questions to ask when comparing rewards cards -- If used responsibly, rewards credit cards can save you money and help you earn cashback, points at your local grocery store and even air miles. However, you first need to make sure that a rewards card is right for you ... (See Rewards) Editor's Choice: The best prepaid cards for travel -- Planning a holiday soon? You may want to pack a prepaid travel card, which experts say can be a cheaper and safer option abroad. Here are our picks for the top five on the market ... (See Travel) Average Brit saves £1,196 a year with vouchers -- Britons are making the most of discount codes and vouchers, according to new research. Consumers, on average, save nearly 1,200 pounds a year by using discounts and special offers ... (See Savings) What to do when your credit card application is declined -- Was your application for a new credit card recently denied? Rejection hurts; but you can learn from it. Here are four key steps that you should take to make sure it doesn't happen again ... (See New credit) Survey: 1 in 3 Scots has outstanding credit card debt -- The Scottish government has published the results from the latest Scottish Household Survey on families' finances. Here's how Scots are coping in the face of high inflation and spending cuts ... (See Survey) New cashback credit card deals hit the market -- Cashback credit cards are in high demand in the UK and card providers are responding with a flurry of attractive new deals. Here are three of the latest cashback credit cards to hit the market ... (See Cash) 4 money mistakes university students often make -- Making money mistakes early on in life can have a significant impact on your ability to obtain credit in the future. Here are some tips to avoid financial mayhem while in school ... (See Student) Barclaycard launches mobile rewards scheme -- Barclaycard customers will now find it easier than ever to locate retailers involved in the credit card provider's Freedom rewards scheme, thanks to a new link-up with mobile phone voucher service vouchercloud ... (See Rewards) How to compare airline rewards cards -- There are so many different airline rewards cards on the market that it can be hard to decide which card is best for you. Here's what to look for when comparing offers ... (See Air miles) Number of cash-strapped Brits at all-time high -- One in three Britons have no money left over after paying for essentials, according to new research. And those who do are using it to pay off debts and increase their savings ... (See Trends) Credit cards for bad credit: How they can help -- Have you recently been refused a credit card because of your poor credit history? Don't worry: There are plenty of options still available to you. But you will need to tread carefully ... (See Bad credit) Are you committing financial infidelity? -- Have you ever made a sneaky purchase behind your partner's back, or maintained a secret credit card. So have a lot of people. Experts say that financial infidelity is surprisingly common -- and destructive to relationships ... (See Love) Smartphones to get secure fingerprint technology -- Consumers' fears about mobile payment security may be answered. Smartphones could soon employ fingerprint technology to confirm a user's identity during mobile payments ... (See Mobile) Why travel with a prepaid card? -- Free prepaid travel cards are rapidly gaining in popularity with UK consumers. Here's why some UK travellers prefer using prepaid travel cards while on holiday ... (See Prepaid travel cards) Britons anticipate cash-free future -- Many Brits believe cash will soon be obsolete. According to a new study, a growing number are instead turning to credit cards and embracing new ways to pay, such as contactless ... (See Cash-free) 5 expenses you should always pay for with a credit card -- Big-ticket purchases aren't the only expenses you should always put on a credit card. Here are five more expenses that you are better off paying for with plastic ... (See Credit card purchases) Dealing with credit card debt during a divorce -- Unfortunately, joint credit card debt doesn't just disappear after you divorce. You will have to work with your ex to sort out how to pay off your joint balances and close that financial chapter for good ... (See Debt) 0% balance transfer deals getting sweeter for consumers -- The number of credit cards offering 0% introductory balance transfer deals has increased, according to a recent study, as has the length of the longest 0% period ... (See 0% offers) 5 common love and money mistakes -- It doesn't matter whether you've been married for 30 years or are on your third date, a topic that will likely cause the most conflict between you and your partner is money ... (See Relationships) Concerns raised over unsecured debts of low-income groups -- The Consumer Credit Counselling Service is sounding the alarm over the high levels of unsecured credit card, loan and overdraft debts that are burdening too many Britons on low incomes ... (See Debt) How to teach your teen to budget with plastic -- An alarming number of Britain's teens don't know how to properly budget, but are still eager to access credit. If your teen can relate, here's one way to safely teach them to swipe more responsibly ... (See Teen) Food prices rising, forcing Brits to creatively cope -- Food prices have risen significantly in recent months, forcing UK consumers to change their supermarket shopping habits, rethink what they buy and consider new ways to spend ... (See Shop) Handling a loved one's debt after death -- Many people still have active credit cards after they die. While the last thing on your mind may be your loved one's finances, they won't resolve themselves. Here are the steps you need to take as a survivor ... (See Debt after death) 5 secrets of credit score overachievers -- Consumers with the best credit scores qualify for better interest rates, juicier rewards and other perks reserved for those with excellent credit. Here's what you can do to join the club ... (See Credit rating) Consumers using smartphones to shop -- More UK shoppers are going online to shop around -- and many are logging in with their smartphones and tablets rather than computers, according to a recent study ... (See Mobile shopping) The battle of prepaid credit cards: MasterCard vs Visa -- Does it matter which brand of prepaid credit card you choose? Yes, say experts. Here's what separates Visa from MasterCard in the battle over prepaid credit cards ... (See Prepaid card) Study: Consumer trust eroded by lower quality financial products -- Consumers are fed up with low quality financial products, says The Social Market Foundation. The thinktank has called on financial providers to introduce better quality products ... (See Quality) Study: Overseas ATM withdrawals costly -- UK travellers are paying high fees in exchange for withdrawing cash abroad, new research shows. But experts say that frequent travellers can minimize these costs with the right card ... (See Fees) How to avoid high credit card interest rates -- According to the charity Credit Action, Brits pay an average of 179 million pounds in interest every day. But for most credit card holders, paying high interest rates can often be avoided. Here's how ... (See Interest) Rewards card holders in the minority -- Research by American Express shows that the majority of credit cards in the UK are not rewards based -- leaving extra savings untapped ... (See Rewards cards) 5 questions to ask when comparing prepaid debit cards -- There are lots of prepaid debit cards on the market. To help you find the right card, here are five questions you should ask when comparing prepaid cards ... (See Prepaid) OFT demands credit card surcharge transparency -- The Office of Fair Trading (OFT) has taken steps to address deceptive credit and debit card surcharging practices -- calling out travel companies in particular ... (See Credit card surcharges) Balance transfer credit cards: What to consider first -- Transferring your balance to a card with a promotional rate may seem like a no-brainer. But be careful. You may find that a promotional balance transfer costs you more in the long run ... (See Transfer ) Concerns raised over Oyster card payments -- A travel watchdog group is concerned that many London passengers are unknowingly paying more than they should for Oyster Pay As You Go journeys around the capital ... (See Pay as you go) Mobile operators team up for payments venture -- Everything Everywhere, Telefonica UK and Vodafone UK have formed a joint payments venture that should facilitate the adoption of mobile payments, say experts ... (See Mobile payments) Wristbands enable contactless payments at festival -- An innovative prepaid contactless wristband was trialled at the recent Isle of Wight festival and proved popular with festival-goers ... (See Contactless ) Love and money: 5 tips for newlyweds -- If you're recently married or are planning to walk down the aisle this summer, your joint finances may be the last thing on your mind. But there are a few things you will need to get in order ... (See Love) Microsoft warns of new credit card security threat -- Microsoft has warned computer users of an emerging scam, in which criminals pose as computer security to trick people into handing over their credit card details ... (See Security) Study: Credit cards more expensive, harder to obtain -- Credit card interest rates have climbed steadily in the last four years, according to a new report, while lenders have tightened their standards -- making it harder for some to get a good deal ... (See APR) Study: Debt boosts young people's self esteem -- Many young adults feel a sense of empowerment through their credit cards and other forms of debt, a US study has found, but the effect tends to decline with age ... (See Self-esteem) How to boost your credit score -- It's the number that doesn't go away. Your credit score can affect how much you pay on loans and it can even affect how a potential employer sees you. Here's how to make it better ... (See Credit score) 7 facts about the prepaid debit card -- Prepaid debit cards are a popular option with Brits who are weary of using credit. If you, too, are thinking about a prepaid card, here are seven facts worth considering ... (See Prepaid debit card) How to get more from your rewards credit card -- Rewards credit cards can be a useful tool for earning a wide range of attractive benefits. But to get the most out of this type of card, you have to use it strategically ... (See Rewards) Starbucks to support contactless card payments -- UK consumers will soon have one more place to pay for goods with their mobile phones. Starbucks has announced that it plans to introduce contactless credit card payments in some of its stores next spring ... (See Contactless) A quick guide to air miles credit cards -- If you're a frequent traveller, then you may want to consider an air miles credit card. A popular option with rewards-minded consumers, air miles credit cards allow cardholders to earn free air and hotel fare over time ... (See Airmiles ) Online shopping: More secure with prepaid cards? -- With online credit card fraud continuing to be a problem, some experts have urged consumers to consider prepaid credit cards as a more secure option for internet use ... (See Prepaid) A quick guide to instant credit cards -- If you're looking to transfer your balance to a lower rate card straight away, or if you don't want to wait to see if you're approved for a new card, then an instant credit card may be right for you ... (See Instant approval) Credit card issuers introduce a new way to calculate interest -- The Bank of Scotland and Halifax are planning to change the way they calculate credit card interest rates. Beginning in August 2011, credit card borrowers with both banks will move to a personal rate based on usage ... (See APR) Barclaycard and Orange pioneer mobile payments -- Mobile payments are now possible in the UK. Barclaycard and Orange have ushered in a new age in payment technology with their Quick Tap service, which allows consumers to make contactless payments with their mobile phones ... (See Mobile) Brits' savings efforts hampered by unsecured debt -- Families are working hard to put money aside in savings, but rising levels of unsecured debt are counteracting many people's good intentions, according to a new report ... (See Debt) Survey: Brits reluctant to adopt contactless credit cards -- Security fears are hindering the adoption of contactless payments, a new survey reveals. Many Brits say they want to learn more about the technology before making the leap ... (See Contactless) Do you know your credit card's APR? -- If you don't, you're not alone. A recent survey found that millions of Brits have no idea how much they are paying in interest -- putting them at risk for paying far more than they expect ... (See APR) How to fund wedding expenses with a credit card -- Your wedding day can be the happiest -- and most expensive -- day of your life. Before reaching for the credit card, know about the protections it offers -- and risks it poses ... (See Wedding) Why you are better off managing your credit cards yourself -- What's the service like from your bank? If recent figures are to be believed, the answer is probably "not very good." As banks strive to make savings, branch service has recently suffered -- causing many customers to look for an alternative ... (See Accounts) Sony customers face further credit card privacy woes -- More Sony customers face potential credit card fraud. Customers of Sony Online Entertainment have been told their details may also have been lost in last month's widely reported breach of Sony's records ... (See Privacy breach) Why you should never reuse credit card PINs -- An alarming number of Brits are putting themselves at risk for identity theft by using the same security details on multiple bank and credit card accounts. Here's why you shouldn't make the same mistake ... (See Fraud) McDonald's adopts contactless card technology -- Contactless technology will soon make fast food even more accessible. McDonald's has confirmed that customers will be able to make contactless card payments in all of its UK restaurants by the end of May 2011 ... (See Contactless ) 'Excessive' card surcharges continue to draw fire -- Consumer advocates argue that credit card surcharges are not only too high -- they're becoming increasingly widespread as more businesses, including airlines and estate agents, adopt the practice ... (See Surcharges) Travellers to US may be unable to use credit cards -- The EPC wants magnetic stripes removed from European credit cards. But if the US is too slow in adopting chip-and-PIN, then travellers from the UK may be left unable to use their credit cards ... (See US travel ) Report: UK teens clueless about credit -- Over 1/3 of British teens don't believe that using credit cards is "real spending," according to a new report, and an alarming number are clueless about personal loans and credit card debt ... (See UK teens) UK credit card fraud hits 10-year low -- All the credit card help and advice that consumers in the UK have received over the last few years may finally be paying off. According to new figures from the UK Cards Association, losses on UK credit card accounts affected by fraud have plummeted ... (See Fraud) Save now to pay for Christmas 2011 -- Spring is usually when holiday shoppers start to pay off their leftover holiday debt -- or fall further behind. To avoid a post-holiday hangover in Spring 2012, experts say: Plan ahead and start saving now ... (See Holiday tips) Beware of fake Wi-Fi hotspots when making contactless payments -- If you use your smartphone to make credit card payments while in public, your card information could be at risk. New research has found that credit card fraudsters could potentially trap consumers by setting up bogus Wi-FI hotspots ... (See Security) What banks consider to be "bad credit" -- Every credit card provider uses their own unique credit scoring system when deciding whether to give you a loan. But there are key signals that every bank watches out for when determining whether a consumer is a bad credit risk ... (See Bad credit) Study: Many Brits lack key knowledge of credit scores -- 1/3 of Brits are unsure why they are failing credit checks, and many know little about the credit card application process, say authors of a new report by credit scoring agency Equifax ... (See Credit) A record number of Brits are retiring deep in debt -- According to a recent report, a generation of Britons are so deeply in debt that they expect to carry it with them for life. Here are some steps you can take to make sure it doesn't happen to you ... (See Debt) Applying for a new credit card? Check your credit score first -- Credit card providers appear to be tightening their lending criteria, making it even more important for consumers to check their credit history before they apply ... (See Credit report) How to avoid overdraft fees -- A recent study found that 18 million Brits paid overdraft fees last year. But there's a cheaper alternative, say experts: Prepaid cards. Here's why you may want to consider switching over ... (See Prepaid ) First-party fraudsters target credit card firms -- First-party fraud schemes have surged in the UK -- with a growing number of people lying about their personal circumstances in order to secure credit cards, loans and other financial products ... (See First-party fraud) 3/5 of Brits put petrol on their credit cards -- New research suggests that many drivers are relying on credit cards to fill up their cars, despite being unable to pay off their credit card debt at the end of the month ... (See Everyday expenses) Study: Quarter of Brits make mobile credit card payments -- Mobile card payments are becoming more commonplace as as an increasing number of British consumers embrace the ability to make credit card transactions via their mobile device ... (See Mobile payment) Credit card applicants partial to loyalty schemes -- According to new research, consumers are becoming increasingly attracted to credit card loyalty schemes. However, experts caution: Use these cards with care ... (See Card trends) A guide to cashback credit cards -- Cashback credit cards offer a number of benefits -- as long as you pay your balance each month. CreditCards.com takes a look at what cashback credit cards are and why they are an attractive option for some consumers ... (See Cashback) The 3 most common credit card mistakes -- There's no doubt that credit cards can help you manage your money -- as long as you use them wisely. Here are the 3 most common credit card blunders that you should never make ... (See Credit) Credit card details found on old mobile phones -- A recent study found that an alarming number of second-hand phones still contained personal data from previous owners, including credit card numbers. Here's how to make sure it doesn't happen to you ... (See Data theft) Study: Credit card delinquencies widespread in the UK -- Recent research shows that credit card delinquency is more widespread than many people realize. Nearly four million Brits admitted to missing payments on their credit cards last year, putting their credit scores at risk. ... (See Bills) 4 common myths about the security of your credit cards -- Be careful: You may be putting yourself at risk for credit card fraud without realizing it. Here are 4 common myths about keeping your credit card information secure ... (See Fraud alert) Budget 2011 provides some relief for families -- Several of the new budget measures will be welcomed by UK households; but experts say it could be some time before Brits notice any major changes to their finances ... (See Budget 2011) Mailed credit card offers frustrate consumers -- Not everyone welcomes the unsolicited credit card offers that flood their mailbox. New research from Callcredit shows that many people are put off by poorly-targeted credit card offers that arrive on their doorstep ... (See Card offers) Credit card usage surges as more shoppers buy presents online -- More bargain-hunting Brits are bypassing long queues and doing most of their gift and holiday shopping online, says the Payments Council -- prompting card usage to surge ... (See Shop online) Is a rewards credit card right for you? -- If you can afford to pay off your balance each month, then a rewards credit card can be an attractive option. Here are three reasons to consider applying for a rewards credit card ... (See Rewards card) Cardholders advised to plan for a rise in interest rates -- A growing number of financial observers expect the Bank of England to raise the base rate this year-- causing credit card rates to rise ... (See Interest rates) Do you prefer credit cards to cash? -- If so, you're not alone. New research from the Payments Council reveals that Britons are more likely to pay for goods and services with plastic rather than with cash ... (See Card trends) 5 questions you should ask before signing up with a new credit card provider -- Whilst fees, interest rates and rewards might be high on your agenda when selecting a new credit card, you should also take into account the quality of the card provider. ... (See Credit) Credit card interest rates climb higher -- Average credit card interest rates rose to a nine-year high in January, according to new figures from the Bank of England, making it harder for consumers carrying a credit card balance to pay off their debts ... (See Interest rates) 6 essential rules for young credit cardholders -- Too many of today's young people lack a responsible attitude toward credit cards, say experts. With this in mind, CreditCards.com has compiled 6 essential rules for young cardholders ... (See Responsible credit) UK credit and debit card statistics -- Find the latest statistics on credit card debt, credit card delinquencies, credit scores, debit cards and more ... (See Stats) Transport for London introduces contactless card payments for Tube, tram and DLR -- Londoners will soon be the first passengers in the world to access their entire city's public transport network with a single swipe of a contactless credit or debit card ... (See Contactless card) 3 secrets to getting a better deal on your next credit card -- Are you looking for a better deal on your next credit card? With a dazzling array of credit card providers, finding the best credit card can be tough. Here's how to make it easier ... (See New card) 3 easy ways to prevent credit card fraud -- Credit card fraud costs the UK public millions every year. Here's how to protect yourself from some of the most common scams ... (See Fraud alert) 4 reasons to use a business credit card -- Business credit cards can help your company manage your cash flow and your business expenses. Here are four key benefits to using a corporate card ... (See Business card) Warning: Choosing the wrong credit card could cost you thousands -- Are you looking for the best UK credit card? Not all credit cards are the same, and so it is vital that you sort through the categories and pick out the best card for your needs
... (See Best card for you) Shopping for a new laptop this year? Borrow safely with the right credit card -- Britons who plan to upgrade their possessions this year but failed to save the required amount could benefit from a credit card that offers 0% interest on new purchases, say experts ... (See Shop) How terrible savings rates can help you reduce your credit card debt -- Record low interest rates are leading to terrible returns for savers. However, experts say that now is the time to put that money toward paying off credit card debt ... (See Pay off debt) The right credit card may cut overall holiday costs -- Holidaymakers should compare credit cards before heading overseas. Start saving now by picking the most suitable credit card for your holiday. ... (See Travel) 4 ways to teach children about credit -- Teach your children to manage credit responsibly by following these four simple guidelines. ... (See Kids and credit) Fraud figures show need for credit card security -- Avoid becoming a fraud victim by taking care when using credit cards online. Figures published by the EU statistical office highlight the importance of maintaining high standards of security when entering bank or credit card details ... (See Fraud) Credit cards: Who wears the trousers in your household? -- Experts say that more couples than ever are arguing about finances as women take control of the family pocketbook. Prevent a row in your own household by avoiding these mistakes ... (See Family budget) Avoid holiday debt regret in 2011 -- Avoid holiday debt regret by planning ahead and saving for Christmas throughout the year. ... (See 2011 holidays) Watchdog group challenges card surcharges -- Consumer watchdog group Which? says that excessive surcharges on credit cards are unfair to consumers. ... (See Card surcharges) Issuers weak on card claim advice -- Consumer watchdog Which? finds that card issuers are not particularly helpful to consumers making claims for reimbursement ... (See Claim advice) New rules impact credit card lenders -- As of Feb. 1, new credit card consumer protections were introduced to increase transparency of credit card processes and agreements ... (See EU rules) Getting to grips with credit card debt -- Whether you pay your credit card balance in full or carry debt from month to month, having the right credit card can make or break your budget ... (See Credit card debt) Card users to transfer £2.8 billion in 2011 -- More than 2.8 million people will be looking to transfer an average £1,000 in credit card debt onto lower interest balance transfer credit cards ... (See Balance transfer cards) Charitable giving through ATMs idea presented -- The Cabinet Office published some ideas to increase charitable giving and one of those is to allow donations at ATM machines ... (See Charitable giving ) 6% of Britons used plastic for home payments -- Poll: More than 2 million have used credit cards to pay for home mortgage or rent costs during the past 12 months. ... (See Credit cards) Credit card loyalty schemes go untapped -- Despite more Brits putting a big proportion of their monthly expenditure on credit cards, almost half do not receive any loyalty points for their spending. ... (See Credit card rewards) Consumers turning to debit over credit cards -- Debit card usage is on the rise in the UK as consumers move away from cash and attempt to curb accumulating debt on credit cards ... (See Debit card usage) Credit card purchases fall 3m from 2009 to 2010 -- New figures suggest that Britons are paying for purchases more with cash, debt than credit cards. ... (See Card card debt) British teen linked to $12 million card fraud -- A 19-year-old Briton is facing a long prison sentence after pleading guilty to masterminding a multi-million pound internet credit card scam. ... (See Credit card fraud) Online credit spending averages £192 a month -- A new study reveals the extent to which Britons are using plastic to shop online ... (See Online credit card spending) Google smart phone to support contactless payments -- Google's chief executive has provided a sneak preview of a new smartphone which will allow users to make contactless payments, potentially removing the need to carry around debit or credit cards. ... (See Google) Do credit cards foster financial stability? -- High-frequency credit card users tend to be in better financial health and owe less money than people who rarely use their cards, according to the latest research from YouGov. ... (See Financial health) Tesco cuts value of Clubcard points -- Tesco is reducing the number of Clubcard points that can be earned when purchasing fuel, but customers can avoid losing out by applying for a Tesco Clubcard Credit Card ... (See Tesco) ID theft cover: Do you really need it? -- Is having credit card and identity theft cover really worth the cost? ... (See ID theft cover) U.K. credit card fraud on the decline -- With the advent of chip-and-pin technology and greater awareness of fraud by merchants, card fraud has seen a drop of 20% ... (See Credit card fraud) London buses to accept contactless cards -- In a move that should benefit both Londoners and visitors to the capital, Transport for London has confirmed that it plans to introduce contactless credit card technology on public transport. ... (See Contactless cards) Should savings be applied to card debt? -- Should you use your savings to pay off credit card debt? Typically, yes, but not until you have established an emergency fund. ... (See Card debt) Marriage and money: Should you keep them separate? -- One of the most important decisions you’ll have to make if you are planning to marry is how to handle finances. There are three basic choices, each of which has its advantages and disadvantages. ... (See Marriage) Did card reform not go far enough? -- Britons are eager to see the government introduce a rate cap on all forms of lending, such as credit cards, says a new study. ... (See Rate caps) Will contactless cards solve long queues? -- Contactless credit card technology could help to cut queues in shops, helping both irritated customers and overworked staff ... (See Contactless cards) More UK employers checking credit reports -- Though it is a legal requirement that employers in the financial services sector check your credit score, the practice is also quietly being adopted by many other work sectors and professions. ... (See Credit reports) Foreign usage fees cost travellers £62m -- Britons will waste a huge amount of money on credit card foreign usage fees in the remainder of 2010, a new study finds. ... (See £62m) Card customers protected against bankrupt Goldtrail -- Anyone who purchased a Goldtrail holiday with a credit card is entitled to a refund following the collapse of the company. ... (See Goldtrail) Prepaid cards replace credit for Internet porn -- A Labour MP has expressed his concerns about individuals using anonymous prepaid cards to view images of child pornography online. ... (See Prepaid cards) Credit bureaus to offer easy online access to credit reports -- Credit bureaus Experian, Equifax and Callcredit are now offering cheap, online access to UK consumer credit reports. ... (See Credit reports) Britons cutting back on credit card debt -- While card lending edged up slightly in May, it is the lowest amount posted by the Bank of England since September 2009.
... (See Credit card debt) Virgin Money changes credit card order of payments -- Virgin Money has already incorporated a new credit card regulation ahead of its official implementation in January. ... (See Virgin Money) Plastic card transaction fees stir debate -- The British Retail Consortium has criticised banks for 'excessive' debit and credit card charges, but the UK Cards Association has a different view.
... (See Merchant fees) Credit card holders warned about online gambling -- Online gambling credit card deposits are treated as cash withdrawals. Britons must be aware of the interest rates they are being charged to make credit card deposits for gambling online. ... (See Gambling) Plastic card fraud up 40% from a year ago -- The number of credit card fraud victims grew to 2.41m in 2008-09 from 1.77m in 2007-08. ... (See Credit card fraud) MBNA rolls out new credit card text service -- MBNA credit card customers are benefiting from a new text-based service to keep them up-to-date on account charges, balances ... (See MBNA) Britons charge £118.3b less from 2008 peak -- Credit card transactions expected to decline to £3.1bn from a peak of £121.4bn in 2008 ... (See 2010) Special police unit targets card fraud -- The Dedicated Cheque and Plastic Crime Unit has played a crucial role in tackling credit card fraud in the UK ... (See DCPCU) Card borrowing increased 5 percent in 2009 -- Average consumer borrowing was found to have risen to £4,593 per UK adult by the end of March 2010. ... (See Consumer debt) Britons careless with credit card pins -- One in 10 Brits write down their pin or pass it on to friends and family, increasing the occasion for fraud. ... (See Pin protection) Britons delaying dental care, using credit cards for payment -- An increasing number of Britons are using credit cards to fund visits to the dentist, a new study has found. ... (See Strapped for cash) Personal pricing clouds card decisions -- Britons no longer have a hard and fast pointer to the most competitive credit card deals as a result of personal pricing. ... (See Rating) Grounded fliers' card purchases protected? -- Britons whose flights have been cancelled as a result of the volcanic ash cloud should be eligible for a refund if they made the purchase on a credit card. ... (See Refunds) Cashback credit cards can bridge savings -- Cashback credit cards can offer better rewards than most savings accounts in the present economic climate. ... (See Rewards) Credit card 'current address fraud' rising -- Credit card fraudsters are using increasingly sophisticated methods to target their victims, including acquiring up-to-date residence details. ... (See Address) New card laws don't offer instant relief -- UK credit card industry observers should be patient when they assess the impact of the recent regulatory changes announced by the government. ... (See Relief) UK credit card payment checker tool updated -- The UK Payments Council has re-launched its debit and credit card payments checker. ... (See Tool) MBNA to cease offering credit card cheques -- As of March 31st, MBNA will stop issuing all new promotional, standard credit card and replacement cheques. ... (See MBNA) Reactions to credit card industry changes -- New credit card laws have generated considerable debate. Credit card regulation changes announced by the government have prompted a number of industry players to offer their verdicts. ... (See Changes) Credit card rule changes approved -- The government has agreed to five new credit card industry regulations which should help struggling consumers. ... (See Rules) Credit card fraud on the slide in 2009 -- Credit card fraud declined by over a quarter in 2009. The amount of money lost as a result of credit card fraud fell significantly last year, according to new figures. ... (See Decline) Britons turning to hugely expensive credit cards -- Struggling families are increasingly turning to credit card deals with sizeable interest rates in order to make ends meet, according to a new report. ... (See Risky) Capitalise on balance transfer credit card deals -- Balance transfer credit cards are widely available and can prove hugely beneficial for the consumer, according to one expert. ... (See Transfer) Credit card comparison burden left to consumers -- Indebted customers are under more pressure than ever to search for the best available credit cards as issuers tighten lending standards and put the squeeze on card holders. ... (See Compare) Consumer choice key to better card rates? -- While some believe legislating the card industry is necessary, others think that consumers need to exercise their power of choice over credit cards. ... (See Rates) Do loyalty cards pay for consumers? -- The majority of households have at least one loyalty card, but exactly who reaps the rewards? ... (See Rewards) Is the alarm over chip and PIN justified? -- A study suggests chip and pin technology is fallible, but not all commentators are convinced that the flaw is a serious cause for concern. ... (See Alarm) New credit card lending appetite subdued -- Existing and potential credit card holders should expect lenders to be reticent about extending much credit in the coming months ... (See Lending) Chip-and-pin credit card flaw exposed -- Cambridge University scientists have uncovered flaws in chip and pin technology, but the UK Cards Association has dismissed the claim. ... (See Fraud) Credit card holders given more power in 2010 -- Consumers will expect more transparent, immediate communications and more guarantees of the security of their data as a result of the government's investigation into the regulation of the industry. ... (See Change) Couples warned over Valentine's credit card fraud -- Britons have been warned about the threat of credit card fraudsters as they buy gifts online in the run-up to Valentine's Day. ... (See Fraud) Sergeant stole money from husband's credit card -- A police officer from Staffordshire stands accused of stealing over £9,000 from the credit card of her husband ... (See Theft) Small firm bosses using personal credit cards -- A new study suggests that bosses at small companies are making payments on their personal credit cards in order to keep their businesses afloat. ... (See No cash) Credit card borrowing up in December -- The Bank of England has revealed that new credit card borrowing increased by £195m in the final month of 2009. ... (See Spend) Cash back credit cards on the decline -- The number of cash back credit cards being used in the UK has fallen dramatically in the past six years, according to a new study. ... (See Cash) Severn Bridge credit card toll 'to arrive in 2010' -- The Welsh Assembly Government confirms that credit card payment facilities could be installed at the Severn Bridge toll this year. ... (See Toll) Credit card lending down 2% in November -- A new study suggests that borrowing on credit cards fell by 2% to £2.67bn in November. ... (See Decrease) Britons relying on credit cards for daily spend -- As many as 12 million Britons will be using credit cards for day-to-day expenses in January, according to the Post Office. ... (See Daily) New credit card protections advised -- The UK Cards Association is proposing a host of changes to help Britons manage their credit card debts more efficiently ... (See Changes) Credit cards not a long-term mortgage solution -- Homeowners should consider the root problem rather than using credit cards for long-term housing costs. ... (See Risky) Credit card interest rates highest since 2006 -- Credit card interest rates rose to their highest levels for four years last month as consumers were hit by 'stealth' charges, according to the Bank of England. ... (See APR) Pay off 0% credit card debt before rate expires -- Consumers deciding to transfer their credit card balance to a 0% deal should make sure they settle their debt before the introductory rate expires. ... (See APR) Britons using credit cards for mortgage payments -- Shelter reveals that over 1 million people in the UK are using their credit cards to make monthly mortgage or rent payments. ... (See Mortgage) Nicola T to use BB fee to clear credit card debt -- Glamour model Nicola Tappenden is in the Celebrity Big Brother house in order to pay off £35,000 worth of credit card debt. ... (See Debt) London credit card fraudsters sent to jail -- Two men from London have been imprisoned for their part in a credit card fraud operation. ... (See Jail) Plastic in vogue in 2010 as borrowing rises -- New research suggests borrowing is on the rise again, which could see credit card usage increase in 2010. ... (See Spending) Late millennium bug disables German credit cards -- A computer fault relating to the new year has disabled millions of debit and credit cards in Germany. ... (See Bug) Credit card payment firm 'caused airline's fall' -- Flyglobespan collapsed after allegedly failing to receive a £35m credit card payment debt from credit card payment processor E-Clear ... (See E-Clear) Record credit, debit card ATM use predicted -- Britons are expected tol use their credit and debit cards at cash machines in huge volumes during December. ... (See ATM) Credit card fraudsters target Scottish hotels -- Opportunistic thieves have stolen credit card and ID documents from some of Scotland's most expensive lodgings ... (See Fraud) Booking flights on credit cards 'is crucial' -- One holiday magazine highlights the value of booking flights with credit cards as a Scottish airline collapses.
... (See Flights) Sainsbury's predicts record credit card ATM use -- Britons will use their credit cards at cash machines in huge volumes during December, according to Sainsbury's Finance.
... (See ATM) Credit card holders given BA strike hope -- Credit card holders who put their Christmas flights with British Airways (BA) on plastic could be entitled to a refund ... (See Strike) Credit card payment allocation confusing -- Confusion over the order of payments policy imposed by credit card providers has been reflected by a new poll from Nationwide. ... (See Confusion) Card thieves battle it out on the internet -- Growth of malware infections, including those from botnets, have led to credit card criminals battling each other for control of victims' computers. ... (See Theft) Contactless credit card use to increase -- Customer access to contactless payments has improved and is likely to improve further in future, according to providers. ... (See Barclays) Prepaid cards can offset travel costs -- Prepaid cards could be a useful and practical Christmas present that keeps on giving. ... (See Prepaid) Weak pound increases ski trip costs -- The weak pound is a major factor behind the typical winter sports package costing £686, the highest since the beginning of the decade. ... (See Skiing) Britons reining in credit card spending this Christmas -- Only 1 in 6 Britons are planning to fund some or all of their Christmas costs via credit cards. ... (See Christmas) AmEx launches 'supermarket' credit card -- American Express has launched a new reward credit card that puts a premium on purchases made at supermarkets. ... (See Supermarket) Study: Americans check credit card statements more than Britons -- American consumers check their credit card statements more regularly than their British counterparts, a study reveals. ... (See Habits) Avoid these mistakes to keep your credit clean -- The various ways in which customers can inadvertently damage their own chances of successful credit card applications have been detailed in new analysis from Experian. ... (See Mail) Claimants await credit card debt decision -- Test cases to be heard in the High Court in Manchester will help to clarify the law on credit card agreements made before April 2007. ... (See Debt) Sterling is up 0.3% against the euro -- The pound has stabilised against the euro and the dollar on the back of news of strong retail sales in the UK. ... (See Sales) Credit card leak suspected in Spain -- Reports suggest that credit card payments details could have been stolen in Spain, in a leak which could potentially affect British holidaymakers. ... (See Breach) Credit card warning issued over fake Tamiflu -- Sites offering fake Tamiflu have been set up in the wake of the swine flu pandemic, increasing customers' risk of falling victim to credit card scams. ... (See Tamiflu) Online shopping safest with credit cards -- People interested in shopping online should use credit cards instead of debit cards to make their purchases. ... (See Holiday) Credit card charging habits changing -- Spending on credit cards has been affected by the recession as Britons are more concerned about carrying large amounts of debt. ... (See Recession) Barclay's posts 3Q credit card profits -- Barclay's credit card business posted a strong improvement over first nine months of 2009, which could be attributed to higher card balances ... (See Profit) Consumers cut back on credit card spending -- Reduced credit card spending signals a changing attitude to financial affairs on the part of the UK consumer, a new report has indicated. ... (See Spending) Postal strike smokescreen for card thieves? -- Delays to mail deliveries might be providing a smokescreen for criminals, a credit reports firm has said. ... (See Theft) Cashback credit cards easier to manage -- Cashback credit cards are the most manageable products from providers offering incentives ... (See Rewards) Credit card holders get more protection -- A new lending code that aims to improve protection for people with credit cards and other loan instruments has come into effect ... (See Code) Credit cards relied on in times of income instability -- Evidence suggests that credit cards play a significant role in life changes, and that credit card lending is relatively stable. ... (See Plastic) BIS unveils major credit card proposals -- Significant changes for credit card terms are being planned by the government. ... (See Changes) Cash back cards can cut holiday costs -- Rewards offered on credit cards can help parents to lessen the costs of half term, Halloween and Christmas, a provider has said. ... (See Cash) Budget for holiday spending with 0% credit cards -- Repayments for festive expenditure can be spread by applying for a 0% credit card, new analysis shows ... (See Holiday) Credit card customers targeted in widespread phone scam -- Asian communities and the elderly have been targeted by credit card fraudsters who trick them out of their PINs. ... (See Phone) 'Mr Twitter' behind iPhone credit card system -- The founder of social networking site Twitter is thought to be behind an innovative iPhone credit card system currently on trial in the US. ... (See iPhone) Bank reforms could hit credit card firms -- Major changes affecting UK credit card providers have been recommended by the governor of the Bank of England. ... (See Changes) Call centres criticised for credit card policy -- Customer conversations with call centres containing sensitive credit card details are at high risk of fraud ... (See Security) New credit card laws effective Nov. 1 -- Credit cards, personal loans and debit cards will be affected by Payment Services Regulations changes, which come into effect on November 1. ... (See Credit) Debtors urged to get credit card advice -- Citizens Advice, Youth Access and the Law Centres Federation to mark the beginning of Advice Week 2009, which runs until October 18.
... (See Advice) Credit card customers warned over dazzling teeth scam -- A scam involving teeth whiteners is being advertised on social networking site Facebook. ... (See Scam) Psychiatrists weigh in on credit card, loan debt -- Experts have suggested that around 50% of people with large outstanding debts could have mental health problems. ... (See Health) Credit card theft may rise in recession -- Evidence from prior recessions shows that credit card fraud rates rise when the economy does badly ... (See Theft) Credit card spending warning issued to students -- Credit reports provider Equifax has released new research on student spending habits. ... (See Debt) UK credit card fraud losses decline -- The amount of money lost due to fraudulent credit and debit card activity fell by 23 percent in the UK during the first half of 2009 ... (See Decline) Card providers make significant policy changes -- Two credit card providers have updated customers on changes to their service by either shutting doors on newcomers or extending 0 percent offers ... (See Changes) UK banks, cards, subject to increased complaints -- Around 70,000 new complaints over the first six months of 2009 were filed against UK banks, card providers ... (See Complaints) Foreign cash left unspent by travellers -- Foreign currency left unspent by holiday travellers continues to grow ... (See Cash) Reports highlight tight card markets -- Britain could face a contraction in credit provision due to financial losses at banks caused by rising customer defaults on credit cards and loans. ... (See Losses) Charity credit cards can make a difference -- Charities face steep cutbacks in donations during economic crisis; charity cards can help ... (See Give) Consumers advised to manage accounts online -- With the current postal crisis hampering timely payments, credit card customers could avoid late fees by managing their accounts online ... (See Online) Retailers fined for missing card protection checks -- Banks are enforcing safe credit card security practices by fining non-compliant UK retailers hundreds of pounds ... (See Fines) Credit card spending declines, balances rise -- Spending on credit cards declined from July to August, according to new data from the British Bankers' Association (BBA). ... (See Credit) British pound will fall fast and far -- Credit card customers planning overseas trips could soon feel the effects of a marked deterioration in the value of the pound, if new industry analysis proves correct. ... (See Value) 'Clampi' computer virus infecting credit card users -- A computer virus known as 'Clampi' is infecting bank and credit card users in the UK, it has been claimed. ... (See Virus) Credit card holders charged more for travel -- Booking flights and holidays with a credit card through airline websites is costing customers more ... (See Fees) Contactless technology trialled by Barclaycard -- A new contactless payment system, which allows people to make charitable donations, was trialled by Barclaycard in London ... (See Charity) Postal strikes delaying credit card repayments -- Credit card holders are facing negative credit ratings as a result of ongoing postal strikes in the UK. ... (See Strikes) Concerns flagged up over credit reports system -- Credit scoring rules in the UK might be unfairly penalising some card customers, it has been claimed. ... (See Scoring) Summer surge in sterling value weakens again -- The rallies enjoyed by sterling in June and July are over for the time being, currency experts have warned. ... (See Weak) Brit tourists pay big for cash withdrawals -- Holidaymakers from Britain were charged a total of £106m on credit card cash withdrawals in Europe last month. ... (See Fees) City Hall plans credit card crackdown -- Tough new checks on corporate credit cards held by officials at London's City Hall have been proposed. ... (See City Hall) Debt calls rise 27% from prior year -- Debt inquiries relating to credit cards and loans are on the increase in the UK, new figures from Citizens Advice indicate. ... (See Increase) UK credit card laws likely to change -- Legislation on credit cards in the UK could soon be changed, reflecting the new U.S. Credit Card Accountability Responsibility and Disclosure Act (CARD Act). ... (See Change) Britons' debt load shows £3.4bn rise -- Average unsecured debts, including money owed on personal loans and credit cards, stood at £9,226 per household in July 2009, ... (See Debt) Strapped UK consumers turn to loan sharks -- UK consumers who are being turned down by high street lenders in the recession are using other sources of credit, it has been revealed. ... (See Credit crunch) Managing card debt wisely helps home buyers -- Obtaining loans for home purchases is likely to be made easier if people use credit cards for most of their spending. ... (See Spend) Dormant Amex credit card holders face charges -- American Express credit card holders face a charge of £20 if they do not use their accounts for a year or more. ... (See Dormant) Overseas credit card costs affected by market -- People using their credit cards abroad this summer could face increasing costs, due to a new weakening in the pound. ... (See Sterling) Celebrity sites often used by fraudsters -- Credit card fraud can result from casual web browsers clicking on links promising celebrity gossip, McAfee has pointed out. ... (See Gossip) Credit card providers note decline in lending -- New lending from credit card and loan firms fell in the second quarter of 2009. Stricter lending regulations are blamed ... (See Decline) Sunny weather boosts credit card spending -- The effects of the weather on credit card spending have been laid bare in a new report from a provider. ... (See Weather) Card defaults drive up interest rates -- Credit card firms are repricing deals in order to reflect the new risk environment, the Bank of England noted today. ... (See APRs) U.S. fraud led to theft of 130m card numbers -- American law enforcement officials have hit a suspected credit card fraudster with a range of charges which could see him spend 20 years in jail. ... (See Theft) Prepaid card program rolls out for students -- An innovative new link-up between MasterCard and a private school could promote financial responsibility among youngsters, if successful. ... (See School) Acai berry weight loss fad gives rise to credit card fraud -- The acai berry's reported weight-loss powers bring scammers out of the woodworks. ... (See Fraud) Credit card parking ticket surcharge opposed -- A campaigner is calling for a class action suit to oppose the practice of charging surcharges on those who pay parking tickets by credit card. ... (See Surcharge) Research: UK rewards cards dwindling -- An 11% decline in the proportion of credit cards offering rewards to customers has been identified by one provider. ... (See Rewards) Credit card debt driving Scottish students to work -- With large credit card debt, Scottish students are working longer hours than recommended. ... (See Work) UK card issuers see record credit card charge-offs -- Charge-off rates at UK credit card providers are on the rise, according to analysis from ratings agencies Moody's and Fitch. ... (See Record) Credit card law should apply to all plastic -- Legislation protecting credit card payments from breaches of contract should be extended to debit cards, a consumer group asserts. ... (See Debit) Credit card debtors should seek advice -- Professional advice can help people who have run up debts through loans and credit cards ... (See Help) Credit card customers conned by web domains -- Foreign vendors are fooling web shoppers, including those who pay by credit card, that they are based in the UK. ... (See Cons) Despite small attempts to save, Britons still big spenders -- Despite making small attempts to save, a report reveals that Britons as less likely to put off major purchases due to the recession. ... (See Save) Credit card lending rose £200m during June -- The Bank of England also revealed that the amount owed on mortgages and other loans secured on property rose by £300m over June. ... (See Loans) UK braces for record card defaults -- The UK is bracing itself for an unprecedented number of credit cardholders defaulting on their balances as unemployment rises. ... (See Defaults) Plan ahead to avoid credit card debt -- Putting a strict budget in place is important for customers currently prioritising the repayment of credit card debts ... (See Budget) Credit card fraud concentrated in London -- London, the Thames Valley and West Mercia made up the top three hot spots for credit card crime. ... (See Hotspots) Credit card annual fees making a comeback -- Declining revenues are spurring on credit card firms to roll out annual fees for their products, a new report has suggested. ... (See Annual fee) Card fraudsters target holidaying Brits -- UK residents going abroad for their holidays have been advised to be careful about their credit cards. ... (See Safety) Mobile alerts being trialled by Visa -- A new mobile alert system that provides credit card customers with full details of their transactions is being trialled by Visa. ... (See Trial) OTF calls for 'transparent' card charges -- The Office of Fair Trading urges airlines to not mislead consumers about increased booking fees. ... (See Charges) Travel firms raise credit card booking fees -- Some travel firms have raised their debit and credit card booking fees by as much as 600% over the last 18 months. ... (See Fees) Brits spending extra on overseas ATM fees -- UK credit card customers spend £284m extra a year on overseas cash machine charges ... (See ATMs) Brothers jailed for credit card fraud -- Three brothers from West London have pleaded guilty of perpetrating a £600,000 credit card cloning scam. ... (See Arrest) Travelling abroad? Tell your card provider -- People planning to use their credit cards abroad should make sure their issuer has number on which they can be contacted 24 hours a day. ... (See Holiday) Deceased are new credit card fraud targets -- The latest credit card scam involves fraudsters who use details of people who have died to open accounts, according to a new report. ... (See Scam) Credit card firms need encryption strategy -- UK firms should employ encryption strategies in order to protect customer credit card details, a new report indicates. ... (See Fraud) Travelers holding on to foreign currency -- The practice of "currency dumping" has become less popular among holidaymakers due to the recession, new data show. ... (See Hoarding) Credit card security standard slammed -- The PCI Data Security Standard (PCI DSS) is facing criticism from industry professionals. ... (See PCI) iPhone game spreads contactless card message -- Barclaycard has targeted iPhone users as part of its ad campaign for its new contactless services. ... (See iPhone) Prepaid credit card halts overseas ATM fees -- Caxton FX is to no longer charge extra fees for overseas ATM use on its Euro and Dollar prepaid credit cards ... (See Fees) London a hotspot for credit card fraudsters -- the top three postcodes for financial scams, including credit card fraud, are London SE18, IG11 and E6. ... (See Fraud) Net credit card lending still rising -- According to the Bank of England, consumer credit increased by a net £300m over the month, in line with the six-month average. ... (See Charge) Card borrowing rises as economy signals recovery -- The apparently improving economy has made more people willing to use their credit cards, a report has suggested. ... (See Economy) Card refunds not guaranteed in ID theft cases -- Customers are not guaranteed credit card refunds when identity theft occurs ... (See Refunds) Lack of credit choices could lead to unregulated lenders -- The Finance and Leasing Association (FLA) warns the struggling credit market could lead consumers into the hands of unregulated and irresponsible lenders. ... (See Credit) Weaker pound affects purchasing abroad -- Holidaymakers will find it much more costly to travel as the weakened pound loses favor ... (See Pound) Credit card users face 'hidden currency switch' -- Foreign credit card purchases are sometimes being charged in sterling rather than the local currency, without the buyer being consulted first. ... (See Switch) First Direct debuts social media newsroom -- Flickr and YouTube content is to be used in a new "social media newsroom" from credit card provider First Direct. ... (See YouTube) Currency switches can lead to losses -- Currency switches can lead to losses. Foreign credit card purchases are sometimes being charged in sterling rather than the local currency, without the buyer being consulted first.
... (See Check receipts) Debt Free UK advert misleads UK cardholders -- A debt firm's promise that it can help customers wipe out their credit card debts is misleading, consumer advocates say ... (See Misled) Technical fault downs Barclays' online systems -- A technical fault wiped out Barclays' cash machine and online banking system June 16 ... (See Fault) Gap year travellers pay more with credit cards -- Students on their gap years using credit cards abroad must take care with their spending, FairFX has said. ... (See Students) Prevent phishing fraud by exercising caution -- Web surfers should take extra care to protect themselves from "phishing" fraud, according to online payments provider PayPal. ... (See Fraud) DJs arrested for six-figure credit card scam -- An alleged £450,000 credit card con involving some of the world's most popular websites has been uncovered by British police. ... (See iTunes) Abbey credit cards make Santander switch -- Low rate credit cards provider Abbey is to undergo a rebranding exercise with Santander. ... (See Abbey) Credit card complaints spike 9% -- A total of 6m inquiries were brought to the attention of Citizens Advice over the past year, the charity revealed today. ... (See Complaints) Credit cards hailed as safest way to buy goods -- New analysis from Apacs showed that credit cards provide "probably one of the safest ways" to buy goods. ... (See Safe) Average annual card rates rise to 18% -- Annual rates offered by Britain's credit card firms rose again last month, despite there being no change to the Bank of England lending rate. ... (See APR) Cards group publishes fraud advice guide -- The UK Cards Association published a fraud-busting guide for credit card customers traveling abroad. ... (See Fraud) Credit card firms tougher on travel agents -- Credit card firms are becoming less willing to deal with travel agents due to their perceived risky nature, it has been claimed. ... (See Travel) Equifax sees rise in consumer requests -- Credit report firm Equifax has reported a 10% rise in customer requests due to tightening criteria for borrowers. ... (See Credit) Extent of credit card debt revealed -- Average unsecured debt reached nearly £29,000 over the past year and a half, with credit cards accounting for 34% ... (See Card debt) Credit card users not fully utilising Faster Payments Service -- Credit card customers are not making full use of a system which allows them to make quicker payments, Apacs warns ... (See Faster) Cardholder disputes favouring consumers -- Consumers are consistently winning in cases against credit card providers involving the Financial Ombudsman Service (FOS) ... (See Winning) Britons paying unnecessary credit card fees -- Britons will pay more than £73m in credit card foreign exchange fees when they holiday this summer ... (See Fees) One in five pensioners carry credit card debt -- One in five British pensioners have credit card debt, with an average outstanding balance of £8,892. ... (See Pensioners) Credit card offers based on credit rating -- Having a poor credit rating can mean that consumers are only offered unattractive credit card deals - or none at all, according to Defaqto. ... (See Score) Online retailer launches credit card -- Play.com customers are now able to take advantage of a loyalty scheme from the online retailer, through a credit card launched 20 May. ... (See Online) Contactless credit cards won't replace cash -- Contactless credit cards won't take the place of cash "anytime soon", UK payments association Apacs has suggested. ... (See Cash) Credit card figures show debt concerns -- People are spending less on credit cards because they are worried about being in debt during the recession ... (See Debt) Credit, debit card usage sees monthly rise -- Credit, debit card usage in the UK has increased each month so far in 2009, according to the latest figures from UK payments association Apacs. ... (See Charge it) Britons show trust in credit card firms -- Credit card companies are more trusted by the public than the NHS and the BBC - but less so than other financial services institutions (FSIs), according to a new study. ... (See Trust) New credit card aims to cut down fraud -- Visa is testing a new credit card which could help tackle the problem of card fraud by ensuring that a pin must always be entered for a transaction to take place. ... (See Visa) Rise in credit card fraud predicted for 2009 -- Most financial services firms believe that credit card and other types of electronic fraud will increase this year, according to a new study. ... (See Theft) Prepaid credit cards help with budgeting -- Prepaid credit cards are being used by consumers for budgeting and to keep from falling into more debt ... (See Prepaid) Online credit card transactions causing concern -- The majority of British consumers do not feel totally confident when making online credit card transactions, new research has revealed. ... (See Fear) Credit card users 'keeping secrets' -- There are around 217,000 credit cards in the UK which are being kept hidden from their holders' partners, new research has revealed. ... (See Shhh) Tories outline credit card plans -- Consumers will receive warnings on credit card statements if the Conservatives come into power. ... (See Tories) North-east England residents keen on credit cards -- The north-east of England is home to the most avid credit card users, according to new research. ... (See Cards) 290,000 credit card numbers recovered by police -- A specialist police squad set up to deal with the problem of fraud has recovered 290,000 compromised credit card numbers since its inception. ... (See Fraud) Credit, debit card spending grew to £371.6bn in 2008 -- Consumers continued to spend more on credit and debt cards last year, a new report reveals. ... (See Credit, debit) Significant arrests made in credit card scam -- Progress has been made in catching fraudsters behind a credit card scam, according to the Dedicated Cheque and Plastic Crime Unit (DCPCU). ... (See Arrests) Contact centres not meeting PCI standards -- A new survey has revealed that many UK contact centres are failing to meet standards aimed at tackling credit card fraud. ... (See Fraud) No link between credit card APR and Bank rate, says trade group -- There is no link between the Bank of England base rate and the APR of credit cards, according to an industry group. ... (See Interest rate) Credit card interest rates rising -- Many of the largest credit card providers in the UK have been increasing interest rates and other charges over the past year, new research has confirmed.
... (See Rates) Consumers fear recession will increase credit card fraud -- UK consumers believe that the recession will lead to increased incidences of credit card fraud and other forms of identity theft, a new survey has revealed. ... (See Fraud) Young Britons' credit card habits unchanged -- The economic downturn has failed to dampen many young Britons' enthusiasm for using credit cards, according to a new study. ... (See Charge it) Majority of Britons paying off credit cards -- The majority of British consumers are paying off credit card debt in full each month, a new study has revealed. ... (See Card debt) Four credit card cloners head to prison -- Four fraudsters have been sentenced to a total of 18 years in prison after being found guilty of running a credit card cloning scam. ... (See Prison) Credit card shuffling practice in question -- Credit card shuffling could be outlawed under proposals to be put forward by Labour MP Andrew MacKinlay in parliament next week. ... (See Shuffling) Credit card details cost less than can of cola -- Online criminals are exchanging consumers' credit card and personal information for just 50p -- cheaper than a can of cola, a new report has revealed. ... (See Theft) No change to Bank base rate -- There will be no change to the Bank of England's base rate this month. The rate has steadily decreased over recent months, from 5% in October to 0.5% last month, the lowest it has ever been in the Bank's 315-year history. ... ( more) Office of Fair Trading to scrutinise credit card deals -- The Office of Fair Trading (OFT) is to make the regulation of the credit card industry a priority. ... ( more) New contactless device debuts at Contactless Intelligence show -- The PoS Paddle Tap-It -- a new contactless device for payments -- launched at the Contactless Intelligence Conference and Exhibition ... ( more) Credit card rates not reflecting base rate cuts -- Credit card rates are not following the Bank of England's base lending rate cuts to consumers ... ( more) Credit card interest hike from HBOS banks -- Halifax and Bank of Scotland are currently upping the interest rates on their credit cards, a report has suggested. ... ( more) The friendliest credit card on the market -- The Virgin Money card offers a 0% balance transfer for new customers for the first 15 months from when the account is opened. ... ( more) Why balance transfer cards don't work for everyday spending -- It sounds great: a chance to transfer your existing debt and pay no interest on that balance, but before you get carried away you should stop and think. ... ( more) How to find the best credit card deal for you -- Not all lenders are raising rates and there are still some excellent credit card deals in the market. ... ( more) 6 credit card truths -- Here are six truths about credit cards. If you play your credit cards right you can still reap considerable advantage from owning one or more of them. ... ( more) 10 tips to finding the right credit card -- In your search for the best credit card to suit your needs, these 10 tips could save you hundreds of pounds. ... ( more) New rules on debt from credit card deals -- Credit card customers who are in financial difficulties are set to be given a 30-day period where they will not be contacted by a debt collection agency. ... ( more) Credit card deals with PayPal increasing -- Britons are increasingly shopping online with credit cards, according to new research. ... ( more) Tracker mortgage customers paying off credit card debt -- Borrowers using tracker mortgages are paying off credit card debts using the money they have saved from the Bank of England's low base rate, new research has revealed. ... ( more) Check credit card statements often to beat card fraud -- Keeping up to date with credit card statements can help consumers detect any potential incidents of fraud ... ( more) Credit card deal offers no charge on European transactions -- Financial services provider Saga has claimed its platinum credit card is popular due to its European transactions being free. ... ( more) Credit card debt decreased in 2008 -- New research reveals credit card debt fell by £4.9bn. ... ( more) Credit card lending on the rise -- Credit card lending increased by £0.1bn during February with £93.5m purchases made, according to the British Bankers' Association. ... ( more) Credit card protections not extended to Paypal deals -- Consumers have been warned that they will not be protected by the Consumer Credit Act if they use credit cards with the online payment system Paypal. ... ( more) Chip and PIN combating fraud on credit card deals -- Chip and PIN technology is helping to fight credit card fraud -- despite the amount of losses from the crime increasing last year. ... ( more) Fraudulent credit card deals caught on film -- BBC reveals stolen credit card offers in India. ... ( more) Fraudsters target new mobile phone users -- Trading Standards is investigating a mobile phone insurance scam. Consumers have been told to be wary of fraudsters claiming to sell mobile phone insurance. ... ( more) Credit card industry concerned over consumer debt -- The UK's credit card companies are not ignoring the issue of consumer debt, according to a financial advice firm. ... ( more) New legislation to affect credit card deals -- The government is to introduce new legislation that will outlaw certain practices in the credit card industry. ... ( more) Children should learn about how to handle credit, money early -- It is never too early to start a financial education. Children should learn how to use credit cards responsibly at an early age, according to the Tax Incentivised Savings Association. ... ( more) Anti-skimming system protects credit card deals -- The problem of credit card skimming at cash machines has led to the launch of a new device from ADT Security Services. ... ( more) Economic downturn increases credit card data theft -- Online criminals are increasingly targeting credit card details as a result of the financial downturn, according to an IT company. ... ( more) Brits charging less on credit cards, using debit more -- Brits have been using credit cards more responsibly. ... ( more) Aviation authority 'going back on credit card deals' -- Passengers told to seek compensation from credit card providers. ... ( more) Airline tickets can cost more when using credit cards -- Expert explains why it can cost more when buying airline tickets with credit cards. ... (See Airlines) Older Britons more aware of credit card protections -- Survey shows older Brits realise extra benefits of credit cards. ... (See Protection) Credit card fraud rises with recession -- Fraudsters are using the recession to gain credit card details. ... (See Fraud) Types of credit cards -- Decide what type of card will work best for you. There are a number of common types of credit cards available through banks or other financial institutions. ... ( more) Searching for the 'ideal' number of credit cards -- You may wonder if you should have more or fewer credit cards. But, like a "perfect partner," a perfect number of credit cards is a bit of an illusion. It's more about your approach than anything else. ... (See How many?) Don't overdo credit card balance transfers -- A repeated pattern of transferring from one balance transfer card to the another at each introductory rate's end can be a bad idea. ... ( more) Good vs. bad credit: Why is this important? -- There are many misconceptions, and even outright lies, regarding credit, especially about what determines good and bad credit. ... ( more) No credit history? No problem. -- It takes good credit to get new credit. But how does one get good credit when a credit history is required to even get a credit card? ... ( more) UK debit and credit cards - Why chip and pin? -- Chip and PIN is part of an international initiative to combat credit card fraud; the UK was one of the first countries to roll it out. ... ( more) 5 easy steps to eliminate credit card debt -- For many, credit card and other personal debt is a fact of life. Follow this simple guide and you can begin to take charge of your financial future. ... ( more)