UK Credit Cards

Use an UK Credit Card to pay for anything from goods to entertainment from gifts to bills. They are very useful for buying online or over the phone. Some credit card lenders will lend to people with poor credit rating but having a Credit Card isn't a route to escape a poor credit history, you can only improve your credit rating by making regular repayments on any finance borrowed.

Search and Compare Major UK Credit Cards

Narrow your search using a list of possible requirements with our Search and Compare Major UK Credit Cards

Balance to transfer
Interest Rates
NO Annual Fees
A Cash-Back Scheme
Introduction Rate of Purchases
An Interest Free Period on Purchases
A Loyalty Reward Scheme

alternatively APPLY DIRECT using any of the below BANNERS

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A credit card is a plastic card bearing an account number, it is assigned to a consumer with a credit limit that can be used to purchase goods and services. Cash disbursements can be obtained on credit. The card may be used repeatedly and it can allow you to make partial payments for purchases but you should be aware that interest is charged on the amount you owe. A cardholder is either billed by the issuer immediately for repayment of the credit extended, or more commonly on a monthly instalment basis.

You should always try to pay at least the minimum amount due by the payment due date, this would ensure your credit rating is protected. If you do not pay off your balance in full or by making the full monthly instalments, interest will be charged on the amount you still owe.

By only paying the minimum amount due, you will increase the length of time it takes you to repay the total debt, this extended length of time will result in an even greater amount being paid by you in interest.
You should always read the terms and conditions when applying for a credit card so you understand what you are signing up for.
Competition is fierce as there are a vast amount of companies out there who can offer you credit, so much competition means that there are some good deals and incentives on offer to you. Many companies can offer low interest rates with low repayments.

Few Tips when considering Credit Cards:

When searching for Credit Card providers with the best interest rates, always read the small print.
Look to see how long any reduced APR Rates last for and understand what penalties there might be.
Compare the APR Rates between Credit Card companies. Choose one to suit you.
Compare added extras, some credit cards offer consumer protection on items purchased with the card.
Consider whether you can afford to make regular repayments to reduce borrowed credit on your card. It is better to consider your budget before you commit to further finance.
Don't over stretch yourself with too many debts. A good repayment record can improve your Credit Rating and Credit History, making it easier for you to obtain finance in the future
Beware of FRAUD - keep your card safe, when purchasing online, make sure your card details are going over a secured network. Look for the http infront of the web address and a padlock sign at the bottom of the page.