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Your credit card choices
Need help looking for the right credit card? There are a few choices to think about when you’re considering a new card – interest rates and credit card balance transfers for example – so it shouldn’t be a case of signing up for the first one whose leaflet pops out of the Sunday paper.
There are three main types of credit card user:
The minimal or emergency credit card user
- Would you keep a credit card for a few small purchases or "just in case", before paying off the balance in full every month? If so, you might not be concerned about the APR. Why not go for a credit card that's affiliated with your favourite charity or football team?
The sensible high credit card user
- Would you make lots of purchases on your card, but still pay the full balance every month? You won't be concerned about the interest either, but you will benefit from reward points and cashback offers, which are directly linked to the amount of money you spend on your card.
The credit card big spender
- Would you spend lots of money on your credit card and just pay off the minimum amount on your bill? A low APR will be very important in keeping your payments down, and you will also benefit from a long interest free introductory period.
Would you like to transfer your balance from another card?
Many credit card companies realise the value of attracting new customers with big debts, and offer good balance transfer deals to draw you in. You can use the uSwitch.com credit card comparison service to your advantage here, and easily find the card with the longest 0% interest offer. Some of them will give you 0% interest for up to nine months.
uSwitch.com gives you the choices available
If you're giving a company control of any aspect of your finances, you'll need to ensure that they are reputable and that you can trust them. All of the credit card providers on the uSwitch.com credit card comparison service are reputable and well established. Start your free and impartial credit card comparison now.
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