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Credit cards are one of the most popular financial products in the world and most people will have one at some point in their lives. With this in mind the credit market is huge and it can be very overwhelming finding a good deal. However, Which Way to Pay offers you independent, impartial advice on a range of available credit cards. There are a variety of different types of credit cards that you can consider. To make sure you make the right choice when researching cards, we compare the most widely available credit cards, all offering different advantages and benefits. Whether you're looking to earn airmiles, make your money ethical or simply get a great transfer deal on your credit cards; Which Way to Pay gives you the facts in a simple and straight forward way. The table outlines the representative APR, Balance transfer rates, Purchase rates and other costs, rates and fees on a variety of credit cards. Get the right card for your needs and your finances.

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Compare Credit Cards

Credit cards are one of the most popular financial products in the world. However, you need to be careful.

Why should you get a Credit Card?

When you are given a credit card you are given a line of credit which is essentially a form of borrowing. The exact amount you can borrow is called a credit limit and this figure is based on your credit history. People take out credit cards because they allow you to pay for purchases in small monthly instalments and they give you more financial freedom.

People like spending with a credit card because they are convenient, easy to use and they have worldwide acceptance.

What are interest rates?

Credit cards have an interest rate, which is the annual rate you pay for borrowing the credit on your card. Interest rates are usually based on market interest rates, your credit history and the type of credit card you have. You will find that the better your credit history the higher your credit limit and the lower the interest. If you have a poor credit history you will be given considerably higher interest rates.

Credit cards may offer introductory rates that are lower than the standard interest rate for a specified term. This introductory rate is usually for purchases and balance transfers but it may also apply to cash advances.

Don’t fall into debt

Getting into debt with a credit card can be very easy. Do not abuse a credit card and always remember it is not free money. You will have to deal with harsh penalties for missing payments and exceeding credit limits not to mention damage your credit rating.

It can be all too easy to build up credit card debt that you cannot afford. The interest rate on credit cards can be expensive which means that they are not necessarily to most cost-effective method of carrying debt on an ongoing basis. You should at least pay the minimum amount due every month and where possible pay charges in full.

Getting the right credit card for you and your finances

Use the table above to compare different credit cards. Always make sure you read the small print fully and that you understand what the consequences are of missing payments.

As with any financial product it is important that you take the time to research the market and consider your options carefully. You need to make sure you get the right card for your personal finances.

There are a wide range of credit cards on the market from credit cards for students and cards for businesses. You can also find credit cards that come with some great rewards programmes such as cash back features, free airmiles and other discounts and offers. Some cards also come with additional features such as travel insurance so bear this in mind. To help you find the right card think about how you want to use the card.

Always read the terms and conditions

If you are in any doubt then you should seek independent financial advice. If you are not able to make the monthly repayments then you could find yourself in financial hardship which could also have a negative effect on your credit history.


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