Jon Francis's Articles

Balance Transfer Credit Cards - Are They Still A Good Deal?
There's been a lot of press lately about the demise of balance transfer credit cards. The reports of their death, to use an old quote, have been greatly exaggerated.
Why Could My Credit Card Application Be Refused?
Many people have questions when they apply for a credit card - which is the best for me? How do they decide to give me a credit card? Why do they need to know all these things about me?
What's Best Practise For Using Credit Cards?
It's a question that most people who use credit cards might ask - what's the best practise for using a card? Especially if your getting ready to apply for a new card, the question may be on your mind - since much of the advice about choosing a credit card focuses on how you'll use it.
Are Credit Cards The Root To All Evil?
If money is the root to all evil, say many financial experts, then credit cards are the demon's spawn. For evidence, they point to spiraling debt and the dire reports that the UK has become a nation of debtors who live by the principle of instant gratification.
Are The Days Of Balance Transfer Credit Cards Over?
If you follow the financial news and financial pundits, you've probably heard that the heyday of the balance transfer credit card is over - or at least in its dwindling days.
Are Charity Credit Cards Good For Charity?
Not long ago, Robin Amlot posted a bit of a rant about the charity credit card craze at MSN Money. The rant was on target, as far as it went. If your intent is to donate to a charity, your favourite charity will certainly get far more from your gift if you make the donation directly.
What's the Catch With Credit Card Freebies?
You've certainly heard it said that there's no such thing as a free lunch. If you believe that, then you must be eyeing the current crop of 0% balance transfer cards with a wary eye, wondering where you'll find the catch that makes it not so free.
How To Use Your Existing Credit Cards To Reduce Interest Payments
How would you like to pay 7 to 10 percentage points LESS in interest on your current credit cards? What do you think it would take to lower the APR on your favorite credit card by as much as 50%?
What are the Best Credit Card Reward Schemes?
It used to be when you wanted to apply for a credit card, choosing the best credit card was an easy thing.
How do you Compare Different Cash Back Credit Cards?
When you're looking for the best cash back credit card UK companies offer, it helps to know how to compare one with the other. Usually, when you're shopping for a credit card UK offer, you're looking at how to SAVE money on low interest rates and fees.
What's the Ideal Number of Credit Cards to Have?
One of the most often asked questions about credit cards is 'what's the ideal number of credit cards to have?'
How do you Compare Different Balance Transfer Credit Cards?
One of the most popular types of credit cards over the past few years is the balance transfer credit card.
How do you Stop Spiraling Credit Card Debt?
In today's world, when even the most modest financial transactions are made via plastic, it's easier than ever to get caught up in a spiraling twist of rising credit card debt.
Cashback Credit Cards vs Reward - What's the Right One?
Not sure how to choose between a cashback credit card and a reward credit card? Here are a few hints on how to compare credit cards to help you decide which one is the right one for you.
Balance Transfer Credit Cards - Top Tips for Finding the Right One
Have you got an outstanding balance on a credit card that's draining your monthly spending money with high interest rates? You're not alone.
Cashback Credit Cards - Top Tips for Finding the Right One
Cashback and reward credit cards are rapidly gaining popularity here in the UK. Imagine being paid to spend money. That's the idea behind a cashback credit card.
How do Credit Card Companies Make their Money?
Have you ever wondered how credit card companies can afford to offer you cash rewards and airline miles and all the goodies that go with using their credit cards?
What are Instant Credit Cards?
Apply for a credit card online today! Instant approval! Gone are the days of sending for a credit card application and sending it off in the snail mail, then waiting weeks for an approval decision.
Credit Card Basics: Make the Right Choices
If you're getting ready to apply for a credit card for the first time, you may be concerned about finding the best credit card.
Which Credit Cards should you Avoid?
Just as there is no best credit card for everyone, there's no single one that stands out as the worst, or one to avoid. It's all about finding the one that fits your needs and your circumstances.
Ten Reasons why Credit Cards are so Popular in the UK
According to APACS (Association for Payment Clearing Services), in 2004 we Brits charged just about 269bn on our plastic. Cash sales for the same period totaled just about 268bn.
Use a Bad Credit Credit Card to Repair your Credit
If you've been struggling with credit problems and trying to mend bent and broken credit, you may feel as if you'll never be able to clear your adverse credit rating. But there is a way!
Why should you get a Credit Report before Applying for a Credit Card?
How much do you know about your credit report? Do you know what gets recorded in it, and how your credit report affects you when you apply for a credit card? Here are some things you should know about your credit report.

Jon Francis's Articles