TheRateTart is an independent, small and knowledgeable team of industry insiders. The main objective of the company is to offer you accurate, independent data and value for money offers.
February 16, 2007 (Press Release) --
Getting hold of a credit card is a lot easier than it used to be. But as the range and type of cards has expanded, knowing which one to choose in the first place is less straightforward. TheRateTart credit card directory provides reliable, easy to use information on many of the best deals on the market. By using these tables to compare credit cards you can save time as well as money on your next deal.
The first thing to work out is which type of credit card best matches your style when it comes to both spending and making repayments. Once you've worked this out you can check the relevant credit card directory to see what deals are on offer.
I always pay the full balance every month:
If you always pay off the balance in full you could consider a card that gives you or your favourite causes greater rewards e.g. a reward card or charity card. Also consider setting up a direct debit to pay off the balance in full each month. That way there is less chance of being caught out and paying interest at a high rate. (Of course, you still need to manage your spend and current account balance carefully, or you could get stung at the other end with overdraft charges).
If this sounds like you, check out TheRateTart credit card tables for Cashback and Rewards, Airmiles, Charity Cards or Gold & Platinum Cards.
I have an existing credit card debt that I want to transfer:
With an existing balance to clear, you need a low rate credit card that will give you the lowest repayment amount and not charge you too much in fees. There are two types of 0% interest offer generally available, although often these are bundled together.
0% on balance transfer credit cards can save you money by transferring debts from higher interest rate cards. In some cases you can also transfer debt from current account overdrafts.. You need to make sure you know whether any fees are charged for transferring a balance, and satisfy yourself that the total cost of borrowing in this way is the best deal available.
0% on purchases allow you to make interest free purchases for a fixed period. Either for a number of months from the date of account opening or up to a fixed date.
Both types of offer are for a fixed period only, so you need to make sure that by the end of the period you have cleared the debt or transferred to another low or no interest rate card.
If this sounds like you, check out TheRateTart credit card tables for Balance Transfers and 0% On Purchases for many of the best low rate credit card deals available.
I mostly pay the balance off each month, but not always:
Be very careful. You may not be doing yourself as much as a favour as you think. The first question to ask is why you are doing this. If you can’t afford to pay the full amount, are you consistently spending above your means? If you are, more than getting another credit card, you need to get your budget under control. The Citizen’s Advice Bureau can help you with this. - If you are just going through a temporary pe
The first thing to work out is which type of credit card best matches your style when it comes to both spending and making repayments. Once you've worked this out you can check the relevant credit card directory to see what deals are on offer.
I always pay the full balance every month:
If you always pay off the balance in full you could consider a card that gives you or your favourite causes greater rewards e.g. a reward card or charity card. Also consider setting up a direct debit to pay off the balance in full each month. That way there is less chance of being caught out and paying interest at a high rate. (Of course, you still need to manage your spend and current account balance carefully, or you could get stung at the other end with overdraft charges).
If this sounds like you, check out TheRateTart credit card tables for Cashback and Rewards, Airmiles, Charity Cards or Gold & Platinum Cards.
I have an existing credit card debt that I want to transfer:
With an existing balance to clear, you need a low rate credit card that will give you the lowest repayment amount and not charge you too much in fees. There are two types of 0% interest offer generally available, although often these are bundled together.
0% on balance transfer credit cards can save you money by transferring debts from higher interest rate cards. In some cases you can also transfer debt from current account overdrafts.. You need to make sure you know whether any fees are charged for transferring a balance, and satisfy yourself that the total cost of borrowing in this way is the best deal available.
0% on purchases allow you to make interest free purchases for a fixed period. Either for a number of months from the date of account opening or up to a fixed date.
Both types of offer are for a fixed period only, so you need to make sure that by the end of the period you have cleared the debt or transferred to another low or no interest rate card.
If this sounds like you, check out TheRateTart credit card tables for Balance Transfers and 0% On Purchases for many of the best low rate credit card deals available.
I mostly pay the balance off each month, but not always:
Be very careful. You may not be doing yourself as much as a favour as you think. The first question to ask is why you are doing this. If you can’t afford to pay the full amount, are you consistently spending above your means? If you are, more than getting another credit card, you need to get your budget under control. The Citizen’s Advice Bureau can help you with this. - If you are just going through a temporary pe
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