This is a continuation of a blog post i wrote a while ago concerning pre paid credit cards and how they can help your children control their spending habits and learn to use credit responsibly; unlike many of us who have sadly been caught by the necessity to use credit in desperate situations and are now left with the aftermath… Read the rest of this entry »

There are many good reasons to get a pre paid credit card, but there are two primary reasons.  One is for younger credit card holders who are not old enough to get a regular credit card, and the other reason is to help the credit card holder control spending, but we’ll talk about this next time… Read the rest of this entry »

This is a sensible question really, but i suppose that if you’re looking to transfer a balance then the answer is going to be “of course i do!”  If you want to cut your existing debt then this is a perfect way to do it.  Getting a 0 interest credit card is one of the cheapest ways of obtaining credit, and if you manage your finances there are enormous benefits to be had from it… Read the rest of this entry »

There are a few things you need to remember and consider before going ahead and signing up for a credit card deal.  Having a credit card is a big deal, despite what some people might tell you about it (they’re probably rich), and you cannot get it wrong, not even the first time, because in todays financial market your name will be dirt in a matter of minutes… Read the rest of this entry »

Why bother looking at these credit card applications that come through the post or the ones that you see online that can take up to two to three weeks to get an answer?  No-one else is waiting this long for their credit card application to be sorted out, there’s absolutely no need to now that there are so many credit card companies offering instant credit card applications and instant decisions… Read the rest of this entry »

This is relatively simple considering what’s actually involved in a credit card application.  These days however you don’t have to drag out all your financial records and put on your best suit and tie to go to the bank in order to get a loan, it’s all done electronically now; and this includes your credit card application… Read the rest of this entry »

That’s right, the big supermarket chain now have an instant decision credit card for you.  You can apply online and get a decision based on your personal details in a matter of minutes.  If Tesco offer as good value with their credit card as they do with their shopping prices then we might be onto a good thing here… Read the rest of this entry »

In today’s world we want everything fast don’t we; and to be fair, there is little wonder why really.  We live in a fast world so when you want a fast decision on a credit card you need to be looking at the ones we feature on this instant decision credit card blog… Read the rest of this entry »

Everyone wants an instant decision, and these days you can pretty much get it.  When it comes to swapping a balance from one credit card to another, this can sometimes be required in a hurry (before interest is due etc), and when you need an instant decision on your balance transfer credit cards there are a few cards out there who can offer you this…

The Barclaycard Platinum credit card can offer you an instant decision, and they also offer a great 0% balance transfer deal too.  You can get 0% interest on the balance of your current credit card if you switch to them for a massive 15 months.  That’s a lot of free time to pay off your balance if this is what you’re intending to do (and this is a good idea).  However, with this Barclaycard Platinum credit card there is a small charge on your balance transfer; this rate is at 2.9% of your balance.

This rate also applies to the post office credit card, although their’s is slightly higher t 2.98%.  They also offer a good deal on your balance transfer, although it’s not as long as Barclaycard.  The Post Office credit card only offer 12 months at 0% interest on your balance transfer.

So obviously the Barclaycard Platinum is the best one out of these two, and in addition to the obvious bonuses with Barclaycard, they also start you at 15.9% interest after the initial balance transfer period has ended, whereas the Post office’s interest rate stands at 16.9%

Barclaycard win again in this comparison.

Want to control your child’s spending habit?  Well this might just be the answer you’re looking for.  A Pre-Paid credit card can do many things and controlling your teen’s spending is one of them.  Here’s how they work… Read the rest of this entry »