Finding the Best Credit Card for You

With so many great credit card offers in the UK and with so many American credit card companies trying to muscle into the UK market (Morgan Stanley, Citibank,etc) the credit card offers available are the best that has ever been. So how do you decide which company should be lucky enough for your business?

First of all you must ask yourself some questions and answer them honestly.

Q. Do you have a balance on another credit card which you would like to transfer?

A. If the answer is yes then try our our credit card balance transfer options. There are huge savings to be made by transferring your balances to another credit card company and when that deal runs out transfer again! Just check the small print to make sure that you are not tied to any contract.

Q. Can you/ do you pay your balance in full every month?

A. The best credit card for you may be a cash back credit card or if you like to shop in certain stores look out for that store's credit card offers. Cash bck credit cards are a great way of making the credit card company share their profits with you. These cash back offers can range from 0.5% to 2% on all purchases made with the credit card. The reason we ask you if you pay your balance every month is that these cash back benefits would generally disappear in interest charges if you did not. A popular choice through this site seems to be Virgin, which you can apply for here. If it is cash back deals that you want then try out our UK cash back credit card offers section.

Q. Do you only pay the minimum payment every month?

A. Then the best credit card for you is open to your own interpretation of what your needs should be. The recommendationswould be if you are planning to purchase any goods with the card then a 0% purchase rate credit card, then to transfer the balance after this deals runs out. In reality you are never likely to pay any interest on your 'loan'. Another option may be to try a permanately low balance transfer offer if you prefer to stick with one credit card company. These deals can be found in the comparing UK credit cards section.

Q. Are you self employed? Do your circumstances change regularly?

A. There are now credit card deals in the UK which allow you to choose your own rates and benefits to suit your own lifestyle. These credit cards, for reference we will call DIY cards, are quite a new innovation which can adjust your apr to be low if you are out of work or if you are in work and planning to spend increase the apr and increase the level of cash back too. Try our sister site, Credit Cards 121's comprehensive list of these DIY credit cards.

1. 0% Interest Credit Cards UK - Balance transfers - Everything you need to know about credit cards, from getting the best deal, to selecting the best type of card to suit your needs.

2. For the best in UK Credit Cards, Loans and Insurance visit http://www.a1-credit-cards.co.uk.
3. Home Equity Loans Centre - For information on home equity loans, home improvement loans, repayment.
4. Debt Consolidation - Fox Symes is Australia's leading debt consolidation provider and offers assistance to Australian consumers on methods to reduce their overall debt.
5. Direct Online Loans - For flexible, low cost, low rate, cheap, low interest UK secured personal loans, debt consolidation loans, home improvement loans, home owner loans and bad credit personal loans.
6. Online Free Credit Report - See what your lenders see. Is your information accurate? Check your credit report often.

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