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 »

Well alright it might not be your local football team but it’s one you support anyway right?  I mean, if you live in Southend then you’re not likely to support them are you?  You’ll probably support one of the London clubs.  Well there is now a credit card that allows you to financially support your club… Read the rest of this entry »

Student credit seems to be the done thing these days.  If it isn’t a student loan then there certainly needs to be some form of cash injection to get them through university.  Parents can only meet some of the bills and if you’re not a parent who has money to burn then you simply can’t fully support your child through Uni… Read the rest of this entry »

Well you don’t have to with all the credit card companies you know, many of them can give you a decision in minutes.  This blog is designed to help you find the credit cards that won’t mess you about and keep you waiting for weeks or until they’ve checked how old your mother’s cat is and whether or not your goldfish has had any previous convictions… Read the rest of this entry »

American Express is a household name in the UK and across the pond.  You know you’re getting a good credit card when you shop with these bog boys in the  business.  You’re likely to get excellent service ans great rewards… Read the rest of this entry »

Credit card fraud begins in one of two places.  It can begin with the theft or loss of the credit card, or the compromising of personal information that pertains to your financial records… Read the rest of this entry »

If you’re worried about your credit rating you can easily check it with one of the credit check people you find online, or alternatively you can apply for a credit card; you’ll soon find out that way, and now you can get an instant decision on most credit cards… Read the rest of this entry »

Economic issues have affected a majority of the UK.  There are still sections of the UK that are struggling to pay their bills.  However, there are other areas that are on the mend.  It will take a lot of time for full recovery, as we have seen in the US.  The US saw numbers on credit card debt decrease in November after a bit of a rally.  It looks like things are starting to cross the sea and get back on track in the UK too. 

Despite a few areas using their credit cards to pay mortgages or rent there are more than 94 percent who are still able to handle their payments.  They are also getting a handle on their debts.  While groceries are also still being bought with credit cards people are beginning to feel they have more of a choice. 

Numerous UK citizens are seeking the counselling they require to get out of debt with credit cards.  One option is a credit card comparison that allows the credit card holder to find zero percent interest cards.  With this type of card it is easier to pay down the debt and get back on track with finances.

In todays world we are all after instant this and fast that.  If we want a meal, we want it yesterday, and if we want anything else we want it the day before.  So there is little wonder that we don’t have time to wait for our credit card company to make a decision about whether or not they will approve us or not is there?  After all, there is always another credit card that’ll take you…

So now you can go online for all the major credit cards, and some that are not so major, and you can pretty much get an instant decision on whether you can have a credit card or not.  Sometimes there may be a few technical difficulties involved.  For example, if you are self employed or you can’t prove your income or something like that then they may need to get some extra information from you via telephone or mail; but in todays fast paced world this is a rare occurance.  Also, all the biggest and best credit cards no how much we want instant decisions on everything we apply for, so they all pretty much offer the same service.  What you have to understand is that they actually want to give you the credit card; that’s their business, and if they don’t give you one then they make no money themselves.

Browse around the site and i’m sure you’ll find some pretty good credit cards that can offer you an excellent deal on a credit card, and an instant decision too.