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Credit Rating: How it works and how to improve it

Credit ratings are a myth, they don't exist in the UK. Each lender scores you based on its ‘perfect customer’ wish list. This step by step guide’s deliberately mistitled as so many people are under this misapprehension, it’s what they look for.

 › The Macs Card: Can You Spot What's Wrong With It ?
 › Chip 'n' Pin: A quick briefing
 › The Tart Alert: A free text or email reminder at the perfect time to act
 › Special Briefing: Didn't get the credit limit you want – DON'T ‘screw them!'

Buy Online: Free safer system for online spending

Online spending is worth billions, whether it's shopping, entertainment, legal pornography or information subscriptions. Yet the fear factor is high. However, one financial services provider offers a safety solution, stopping crooks or others from defrauding your card, and it's easy to obtain at no cost....

Credit Card Protection Plans

As if they don't already make enough money from us, credit card companies also sneakily snack on our cash another way. It's all about the innocuous looking box on the application that says 'tick here' to be protected....

Old Credit Cards: Should you cancel them?

It's funny, people always ask this the same way: “Just a quick one. Should I cancel my old credit cards once I'm not using them, or is it better to keep them?” It's testament to the thankfully increasing savviness against credit card companies that people ask this question. The answer, in a nutshell is yes, do cancel them. However, there's a strategy for choosing which cards you should cancel and which to keep....

Credit Card Charges Reclaiming: Full guide to get $100s back

This is a step-by-step guide, including template letters, to force your current or old credit card provider(s) to repay the last six years of late payment fees or charges for going beyond your limit: often you can get $100s or even $1,000s back....

Credit Card Reward Schemes: Find the very best payers

What do points make? Prizes of course! Yet, with Airmiles, Nectar or Buy and Fly points, sorry Brucie it ain't that simple. Credit card rewards schemes promise ‘something for nothing,' but many deliver ‘nothing for something'. However play your cards right with the UK's best paying reward schemes and you can make over $450/year....