Credit Card lenders cut offers as Christmas spending begins

Consumer group Moneyfacts has reported a major decline for credit card perks as consumers look to borrow as the Christmas spending begins. Friday 23rd November sees Black Friday closely followed on the 26th by Cyber Monday and with consumers gearing up for a spending bonanza it seems slightly disappointing that lenders would look to do […]


Rebuilding your credit history

In an uncertain financial market, it seems more and more of us are using ‘credit builder’ credit cards as a way of rebuilding our credit scores. Research conducted by Experian has revealed that 24% of all searches for credit cards last year were specifically targeting so called “credit re-builder cards”. Low or poor credit scores […]


Banish those Blue Monday worries

Figures published this week by National Debtline ran by the Money Advice Trust show that an estimated 7.9milion of us are expected to fall behind with finances this month as the inevitable Christmas spend kicks in. Monday 15th January, so called “Blue Monday” is said to be the most depressing day of the year, as […]


Alternatives to high cost overdrafts?

Many of us now use overdrafts as part of our everyday banking, but this could in effect be costing us more than we think and are there any cheaper alternatives? The Financial Conduct Authority (FCA) has already confirmed that overdrafts fees are extremely difficult for consumers to understand, especially when they are ‘unauthorised’. In research […]


Interest rate rise, what does it mean for you?

So for 10 years we have enjoyed a record low Bank of England base rate, with some of the most competitive financial products ever seen, especially in the unsecured loans and credit cards market. However as of today the Bank of England has voted to raise the base rate from  0.25% to 0.50%, just ¼% […]



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