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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

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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How to Transfer a Credit Card Balance

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

How to Get Lower Loan Rates

Discover effective strategies for securing a low-interest rate loan and how to avoid the potential pitfalls.

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.

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.

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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Confused-looking woman using a laptop and smartphone

How Long Does It Take to Improve Your Credit Score?

Improving your credit score is key to getting access to better credit card, loan and mortgage deals. But how long does it take?

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How To Use an Interest Free Credit Card

Using an interest-free credit card correctly is key to avoiding penalty fees and other charges. Make sure you’re not caught out.

Magnifying glass next to a tower of wooden blocks with percentage signs marked on them

What is Your Credit Utilisation Rate?

Your credit utilisation rate can affect your credit score and your ability to get credit. Learn how it works and how it’s calculated.

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Getting a Credit Card After Bankruptcy

Applying for bankruptcy is a big step and it can affect your chances of getting a credit card in the future. Learn more about the options available to you.

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.

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.