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Author

Image of Rachel Wait

Rachel Wait

Contributing Writer

About the Author

Rachel Wait is a regular contributing writer at Uswitch.com. She uses her personal finance expertise to help our readers understand their financial needs and options.

Rachel has spent the majority of her career writing about personal finance for leading price comparison sites and the national press, beginning as a reporter for Shares Magazine in 2007, although she started out writing business newsletters before that, in 2004.

She was Editor and then Managing Editor at Moneysupermarket for over eight years and since 2020, has written extensively on credit cards, pensions, insurance and mortgages for the Mail on Sunday, The Observer, The Spectator, the Evening Standard, Forbes UK, The Sun, as well as other publications.

Expertise

Education

An exasperated couple look at their paperwork.

How To Do A Balance Transfer With Bad Credit

Getting a balance transfer card can be tricky if you have a poor credit history, but options are available, as our five-minute guide explains.

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A woman takes notes while looking at a laptop screen.

Top Ten Balance Transfer Mistakes

We reveal the 10 most common balance transfer mistakes and explain how to avoid unexpected balance transfer fees.

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Why Can’t You Get a Credit Card?

Struggling to secure a credit card? Discover the most common reasons behind application rejections and learn how to avoid future setbacks.

Bad credit rating - How to improve credit rating

How to Dispute Your Credit Report

Find out how to correct inaccuracies on your credit report and reduce the risk of being rejected for credit.

How to Improve Your Credit Score Without a Credit Card

Applying for a credit card is just one way to improve your credit score. Explore alternative options for boosting your credit score.

What to Do if Your Loan Application is Declined

Discover the most common reasons loan applications are refused and what to do if it happens to you.

Common Business Insurance Claims and How to Protect Your Business

Learn more about the most common business insurance claims and the steps you can take to prevent them.

How to Transfer a Credit Card Balance

Follow our step-by-step guide to transferring a credit card balance.