Credit Card Guide
WHICH CREDIT CARD WILL BEST SUIT YOUR NEEDS?
HIGH SPENDER, MONTHLY BALANCES SETTLED IN FULL:
If you settle your outstanding monthly statement balances in full each and every month then your best option is a card with cashback or rewards on those purchases to enable you to make the most use of your spending. Don't worry about introductory or long term APR on purchases since you wont be charged any inters anyway.
>>> CASH BACK CARDS : REWARD POINTS CARDS
HIGH SPENDER, MONTHLY BALANCES NOT SETTLED IN FULL:
For this type of credit card use a low long term standard rate is imperative to reduce interest charges to a minimum. It will also be good practice to transfer balances to other cards offering 0% on this transferred balances. Do not use the same card for purchases that you have your balance transferred to since the repayment of purchases will be used to reduce your balance transfers first leaving you paying a higher APR on your purchases. You should also make use of the introductory 0% on purchases being offer by some credit card brands.
>>> COMPARE STANDARD RATES : BALANCE TRANSFERS : 0% PURCHASES
POOR CREDIT HISTORY:
If you have a poor credit history and low credit rating you may find it hard to be accepted for a credit card. One card designed to suit the needs of someone looking t start rebuilding their credit rating is the CAPITAL ONE CLASSIC MASTERCARD.
CREDIT CARD WILL BE USED FOR A BUSINESS
Take a look at our BUSINESS CARDS. In this section you'll find cards suited to small and large companies as well for sole traders.
HIGH SPENDER, MONTHLY BALANCES SETTLED IN FULL:
If you settle your outstanding monthly statement balances in full each and every month then your best option is a card with cashback or rewards on those purchases to enable you to make the most use of your spending. Don't worry about introductory or long term APR on purchases since you wont be charged any inters anyway.
>>> CASH BACK CARDS : REWARD POINTS CARDS
HIGH SPENDER, MONTHLY BALANCES NOT SETTLED IN FULL:
For this type of credit card use a low long term standard rate is imperative to reduce interest charges to a minimum. It will also be good practice to transfer balances to other cards offering 0% on this transferred balances. Do not use the same card for purchases that you have your balance transferred to since the repayment of purchases will be used to reduce your balance transfers first leaving you paying a higher APR on your purchases. You should also make use of the introductory 0% on purchases being offer by some credit card brands.
>>> COMPARE STANDARD RATES : BALANCE TRANSFERS : 0% PURCHASES
POOR CREDIT HISTORY:
If you have a poor credit history and low credit rating you may find it hard to be accepted for a credit card. One card designed to suit the needs of someone looking t start rebuilding their credit rating is the CAPITAL ONE CLASSIC MASTERCARD.
CREDIT CARD WILL BE USED FOR A BUSINESS
Take a look at our BUSINESS CARDS. In this section you'll find cards suited to small and large companies as well for sole traders.
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