0 Have your say Credit cards have been available for over half a century and can be incredibly useful when making more than the normal transactions, such as at holiday time and Christmas, as well as bringing major consumer rights. -> Conal Gregory: Don’t wait until the airport to splash out on your holiday cashTheir strength this time of year is the facility credit cards give in paying for goods and services in foreign currencies. If well chosen, no transaction fees arise from your provider.The first credit card launched in the UK was Barclaycard in 1966. It initially made little progress and had no rival until 1972. Today 65 per cent of adults hold a credit card. Last year 3.2bn payments were made, a four per cent rise on 2017. The industry forecasts the number of transactions will jump to 4.1bn by 2028.Plastic money – charge, credit and debit cards - has become so popular that the number of cash payments has fallen by 10 per cent a year over … [Read more...] about Conal Gregory: Which is the best credit card for you?
Credit cards 0 interest for 12 months
David Slotnick, provided by Published 4:15 pm CDT, Thursday, April 18, 2019 Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective. Shayanne Gal / Business Insider Cash-back cards are the most popular rewards credit cards, according to a recent study. While it's possible to get more value from travel rewards cards, cash back is simpler, more flexible, and often easier. Like most rewards credit cards, cash-back cards work by giving you a portion of the processing fee that the issuer gets from the merchant for each transaction. While some cards offer a consistent 1.5–2% cash-back rate on purchases, you may be better off with a card that offers higher amounts back in bonus categories, or large new membership bonuses. Similarly, you might actually earn more from a card with an annual fee than a no-annual-fee option. These are the best … [Read more...] about The best cash-back credit cards of 2019
Eric Rosenberg, provided by Published 1:54 pm CDT, Friday, April 12, 2019 The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase. Barclaycard Most cards are far from a democracy, but the unique Barclaycard Ring Mastercard put the card's benefits in the hands of its users. But do those benefits make sense for you? The Barclaycard Ring offers low fees that make it an enticing option for balance transfers, occasional international travel, and no annual fee. This card charges a very low APR that is the same for purchase, balance transfer, and cash advance transactions. Pay 0% APR on balance transfers for 15 months on transfers completed with 45 days of opening a new account (after that, a 14.24% variable APR applies). Update, 4/12/19: This article has been updated to reflect current APRs and fees. Barclays, or Barclaycard, offers several useful credit cards depending … [Read more...] about The Barclays Ring is one of the best low-interest cards for people who don’t like credit cards — here’s why
Holly Johnson, provided by Published 7:35 am CDT, Friday, March 15, 2019 Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.* Brastock/Shutterstock.com If you're trying to pay off credit card debt, there are options. Balance transfer credit cards like the Citi Simplicity® Card, also known as 0% APR credit cards, can buy you time to pay down debt with 0% interest. Citi Simplicity has 0% interest for up to 21 months, then a variable APR of 16.24% to 26.24%. Or, a personal loan through a site like Payoff or Credible can provide a fixed interest rate, fixed monthly payment, and fixed repayment timeline. If you have credit card debt, you might feel like credit cards are the problem. However, there are tools — including credit cards — … [Read more...] about The most convenient tools to help pay off credit card debt can ultimately save thousands of dollars
Kimberly Palmer, NerdWallet Published 2:00 am CST, Friday, January 11, 2019 This article was first published on NerdWallet.com. Credit card users enjoyed a bounty of rewards in 2018: Thanks to a relatively healthy economy and competition for consumers, issuers launched new products with attractive incentives. But there was a downside: Rising interest rates made carrying credit card debt more expensive. NerdWallet found that the average U.S. household with credit card debt carries almost $7,000 of it. Given current rates, that means paying over $1,100 a year in interest charges alone. Card issuers last year also cut back on some of the ancillary perks, citing low levels of use. Discover eliminated several benefits, including extended product warranty, purchase protection and auto rental coverage. Citi and Chase also trimmed their price protection benefits. Some credit card experts say 2019 might usher in a more austere period for credit card rewards, especially if … [Read more...] about 5 Credit Card Trends to Watch in 2019