Credit Card

<body> <p>Apply For A Low Inertest APR Credit Card lloyds tsb online credit card application, and easy to fill in online application for a credit card credit card application online Apply For A Low Inertest APR Credit Card online appplication visa credit card online business credit card application canadian credit card online application free online credit card application instant online credit card application uk approval student for canada online master card for bad credit unsecured bank bad PERSONAL LOANS MAIN INDEX Tools COMPARISON CHART ONLINE CALCULATOR WHICH CREDIT CARD IS BEST? UK Issued Credit Cards *CITI - 0% *our number one card ACCUCARD 0% cashback BARCLAYCARD CAHOOT CAPITAL ONE CLASSIC (bad credit) CAPITAL ONE 0% CREATE CARD 0% EASYMONEY 0% EGG 0% GOLDFISH *popular HILTON HHONORS 0% MARBLES 0% MORE TH>N 0% MORGAN STANLEY TEXACO VIRGIN - 0% Guides UNDERSTANDING APR TYPICAL RATE -STANDARD RATE CASH BACK CREDIT CARDS COMPARE STANDARD RATES DO'S-DON'TS-TIPS CREDIT RATING ADVICE BALANCE TRANSFERS CHIP AND PIN GLOSSARY OF TERMS CONTACT US USEFUL LINKS ATM Locator's MASTERCARD VISA Credit Reference Agencies UK.EXPERIAN.COM EQUIFAX.CO.UK These are the leading credit reference agencies. By visiting these sites you can learn what type of information is held about you and you can also obtain your own credit report. This is very worthwhile to ensure that information being held about you is accurate. You can also learn more about credit scoring and the the information used. It can cost just a few pounds for a complete credit report. RESOURCE DIRECTORY ONLINE CREDIT CARDS DIRECTORY PICK A CARD, ANY CARD! All credit cards on this website are issued in the UK, have full online services, management and application. You will also need to be resident in the United Kingdom to apply online. POINTS TO CONSIDER: Balance transfers may be as low as 0% APR rate but most likely for a limited period only. Amounts repaid to reduce your outstanding balance will often be used to reduce your balance transfer before being applied to purchases. This means if the long term purchase rate is high and you make a lot of purchases then you will have received no or little benefit from the headline introductory offer. If you will only pay a small amount off each month you will gain most from low long term interest rates. However if you pay your monthly balance in full you will receive more benefit from things like cash back and other point type benefits. If your eye is caught by 0% balance offers check if that applies to purchases as well. Its also important to understand APR and how to compare real long term standard rates for true low APR. The future is chip and pin. What exactly is it? more>>> UK CREDIT CARDS REVIEWED ON THIS WEBSITE: ACCUCARD Accucard was the original UK create it credit card and in fact is the business name of create services who are responsible for many of the user configurable cards.. This is where the user has the ability to change various options on their credit card to suit the way they use it. For example, if you pay your balance off monthly, then by choosing a higher APR (which you wont pay because there will be no outstanding balance) you can get higher cash back rewards. Key features are 0% balance transfers, cash back rewards and a low long term interest rate on average of 12.9% APR typical. LONG TERM RATE: 12.9% TYPICAL BALANCE TRANSFERS: 0% 6 months EXTRAS: CASH BACK Accucard credit card: information apply online now MASTERCARD BARCLAYCARD Barclaycard, possibly the best known of the credit card brands, have a range of four credit cards online. Platinum, Classic, Student and Premiership. With Barclaycard you can earn Nectar points on your purchases. 0% BALANCE TRANSFERS TILL 1ST SEPTEMBER 2005 0% APR PURCHASES 1ST 3 MONTHS 15.2% APR TYPICAL RATE Barclaycard credit cards: information online application now VISA CAHOOT Cahoot is part of the Abbey National Group offering online services including credit cards, loans and banking. All services have full online management and 24 customer care service. Cahoot credit card is tailored very much to your credit rating and the limit you want to apply for meaning rates will vary according to your personal circumstances. As is usual with any online credit card making balance transfers can be easily setup. Balance transfers are charged at the same rate as purchases. Main selling point of Cahoot is the typical standard long term rate which is one of the best on the market. Cahoot are an online only company and cannot be found on the high street. There are no standard cashback offers but they do have different selected cash back offers that change over time. PURCHASES: 9.8% TYPICAL BALANCE TRANSFERS: 9.8% TYPICAL Cahoot credit card: information apply online now VISA CAPITAL ONE Capital One offer two cards, a Platinum and a Classic version. If you would like to apply for the Capital One Platinum then you must be aged 21 or over, receiving an income of Ł10,000 or more per annum and be resident in the UK. Headline deal is 0% interest for 6 months on purchases. The Classic is aimed at those wit a poor credit history or those looking to start to build a credit record. A themed version of each of the platinum and classic configurations are also available. Capital One Platinum MasterCard Capital One Premier MasterCard Capital One Classic Capital One themes LONG TERM RATE: 13.21% PURCHASES: 0.0% 1st 6 months BALANCE TRANSFERS: 3.9% 1st 6 months LONG TERM RATE: 18.14% PURCHASES: 0.0% 1st 6 months BALANCE TRANSFERS: 6.9% 1st 6 months THIS CARD IS DESIGNED FOR THOSE LOOKING TO REBUILD A GOOD CREDIT HISTORY AFTER PAST PROBLEMS LONG TERM RATE: 29.9% THESE CARDS COME EITHER AS A PLATINUM MASTERCARD OR CLASSIC CONFIGURATION more information apply online now more information apply online now more information apply online now more information apply online now MOST POPULAR CREDIT CARD ON THIS SITE: CITI Established in 1812 the CITI group is the largest financial services company in the world today. Operating in more than 100 countries with over 200 million clients and with a workforce exceeding 300,000. CITI have two cards on offer, the Platinum and the Classic Plus. Headline deal is 0% on both balance transfers and purchases for 6 months. The Platinum card has additional benefits. LONG TERM RATE: 13.9% APR VARIABLE BALANCE TRANSFERS: 0% 6 months CITI credit card: information Platinum- apply online now Classic - apply online now VISA CREATE CARD Create Card is brought to the market by Lloyds TSB who are responsible for several of the do-it-yourself cards currently on the market, the original being Accucard. The main idea of the cards being that they are configured to how you actually use your credit card and can reconfigured as your habits change. You get the choice to change the amount of cashback, interest rate and/or annual fee to suit. Cashback is only earned on purchases, any amounts owing are paid on the 12th statement. LONG TERM RATE: 12.9% TYPICAL, 9.8% WITH Ł30 ANNUAL FEE RATEBUSTER BALANCE TRANSFERS: 0% 6 months EXTRAS: CASH BACK Create Card: information online application now MASTERCARD EASYMONEY.COM Easymoney.com credit card is another of the UK DIY type cards where you configure various combinations to produce a card suited to your needs. So if you pay balances in full each month you might set a higher interest rate to obtain higher cashback rewards or if your circumstances change you can lower the interest rate and increase the annual fee to make use of lower interest rates. LONG TERM RATE: 12.9% TYPICAL BALANCE TRANSFERS: 0% 6 months EXTRAS: CASH BACK EasyMoney credit card: information apply online now MASTERCARD EGG Egg now offer 0% for up to 9 months for balance transfers. Another new feature is the ability to see balances for all your bank accounts and credit cards with other brands from one interface with the Egg Money Manager. One click takes you straight to your other banks' secure website and all done with the single Egg login. It's secure, nobody, not even Egg will see your other banks' passwords, plus you're covered by the Egg Guarantee. This service is Free to Egg customers. LONG TERM RATE: 13.9% APR VARIABLE BALANCE TRANSFERS: 0% until 1st May 2005 PURCHASES: 0% until 1st March 2005 EXTRAS: up to 1-% AT SELECTED ONLINE STORES, ANNIVERSARY OFFER TILL 2006 Egg credit card: information apply online now VISA GOLDFISH - new on site and very popular The Goldfish credit card was first launched in 1996 and today have over 1 million card holders. One of the cards main benefits is the Goldfish points you can earn when selecting this option. You can redeem the points you've earned towards vouchers for shopping at a variety of stores including John Lewis, Marks and Spencer, Boots, Dixons, Debenhams, Homebase and WH Smith. LONG TERM RATE: 17.9% APR TYPICAL BALANCE TRANSFERS: 4.9% FOR FIRST 6 MONTHS EXTRAS: GOLDFISH POINTS Goldfish credit card: information online application now VISA & MASTERCARD HILTON HHONORS With the Hilton HHonors® Platinum Credit Card, you'll earn HHonors bonus points every time you pay with your Card, which can be redeemed for travel rewards at Hilton HHonors hotels anywhere in the world. The cards are issued by HFC Bank LTD. This card offers 0% for 6 months on balance transfers. LONG TERM RATE: 15.9% APR TYPICAL BALANCE TRANSFERS: 0% FOR FIRST 6 MONTHS EXTRAS: REWARD POINTS WITH THE HILTON GROUP Hilton Hhonors credit card: information online application now MASTERCARD MARBLES Marbles are one of the more well known and established credit cards in the UK today. In line with most of the market leaders they offer 0.0% interest APR on purchases and balance transfers for the first 6 months you own the card. The rate then rises to 14.9% APR (variable). Designed for use online you can view your account at any time simply by securely logging on with your password 24 hours a day. This will enable you to make your monthly payment, Shift balances over from your other cards, Communicate with marbles customer services and more besides. Marbles has its own range of shopping partners from who you will be able to obtain exclusive offers for Marbles credit card holders. LONG TERM RATE: 14.9% APR VARIABLE BALANCE TRANSFERS: 0% 1ST 6 MONTHS Marbles credit card: information online application now MASTERCARD MORE TH>N MORE THAN Credit Card is run in association with Accucard and issued by Lloyds TSB Bank plc. Like most of the CREATE type credit cards, the More Than card is configured by the user. How you can choose to set the card up will depend on the way you typically use your credit card. If you tend to leave large balances then you will configure the card for a lower interest rate, on the other hand if you pay off all balances monthly you can increase the interest rate and take advantage of increased cashback. LONG TERM RATE: FROM 9.8%. 13.9%APR TYPICAL BALANCE TRANSFERS: 0% 1ST 5 months EXTRAS: CASH BACK More Than credit card: information apply online now MASTERCARD MORGAN STANLEY Morgan Stanley is a world wide financial company, employing over 57,000 people in 28 countries. They provide two credit cards for the UK consumer, Gold and Platinum. Key deal is the 0% APR for 6 months on balance transfers. LONG TERM RATE: 14.9%-16.9% TYPICAL LONG TERM RATE BALANCE TRANSFERS: 0% 1st 6 months PURCHASES: 0% 1st 6 months EXTRAS: CASH BACK WITH PLATINUM, travel reward points with buy and fly card Morgan Stanley credit card: information online application now MASTERCARD TEXACO The Texaco credit cards are brought to the market in association with Accucard. The specific benefit that the Texaco card offers is double cashback on purchases made at Texaco service stations including petrol purchases. Being an Accucard associated card means you can configure your plastic to suit your individual needs and circumstances. Texaco also offers other benefits through its Global WE.O.U rewards program. With points awarded for purchases which are then redeemable. LONG TERM RATE: from 9.9%, Typical APR 14.9% BALANCE TRANSFERS: 3.9% FOR LIFE OF BALANCE TRANSFER, 1st 6 weeks EXTRAS: DOUBLE CASHBACK AT TEXACO SERVICE STATIONS Texaco credit card: information apply online now MASTERCARD VIRGIN The Virgin Credit Card is issued by MBNA Europe Bank Limited. Virgin must be one of the best known brands in the UK today. Now Virgin have branched into the credit card market. With an innovative product Virgin have come up with a very competitive credit card. A version of the create-a-card type that is very popular at the moment. There are several ways to configure a setup depending on how you use your card and if you want to take advantage of their Virgin reward points. By choosing a rewards version you get access to their exclusive members shop. LONG TERM RATE: 10.9%-13.9% TYPICAL BALANCE TRANSFERS: 0% 1st 9 months (depending on configuration) EXTRAS: VIRGIN REWARD POINTS Virgin credit card: information apply online now MASTERCARD </p> </body>