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Credit card guide From Wikipedia, the free encyclopedia

Which Credit Cards

If a transaction requires payment a credit card is a method of conducting this instantly. A debit card requires money to be taken directly from an account which has money in it already. A credit card is effectively a fast loan because  the credit card issuer is lending the consumer money at the point of the transaction, to be repaid later and, if not repaid, interest can be charged. A charge card requires the balance to be paid in full each month although mistakenly called a credit card by consumers.

A credit card differs in that they allow consumers to have a borrowed balance on which they will be charged an interest rate. Most credit cards are the same shape and size (essential if they are to be used in ATMs and retail scanning machines for example). The size being specified by the ISO 7810 standard.

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Welcome to my Which Credit Card

The huge choice credit cards from the sheer number of banks and companies which offer them is absolutely bewildering. Personally my first port of call when looking for a standard credit card with no special offers, or special rates, or balance transfer incentives is the card my bank offers. Simply because they know you, more or less know your credit history and whether it is good or bad and you are likely to get your credit card account set up quickly. Plus it can make paying off your balance regularly fairly simple as you can transfer from your same bank current account for example. 

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A Guide

On this website we have brought together useful links, guides, articles and information which should lead you to the best credit card which is right for you.

Luckily there are many comparison websites with the latest up to date credit card rate and information laid out in comparison charts and some may indicate which credit card you will qualify for if you do not have a good credit rating, or no rating at all because you have never previously loaned money.

If you plan on staying with the same provider for a long time it probably is best Not to go for an amazing opening deal. These are usually tempters and are short lived. Look for the longer term benefits.

Keep looking for a better deal. Now people pay even for thier plastic surgery with credit cards. A platinum card from morgan stanley may give you cashback bonus on purchases and low balance transfer rates. Most cards now operate with no annual fee and online fraud protection.