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• Credit cards
  Credit cards are often a necessity of modern western life. However, with the credit card comes the danger of uncontrolled debt. Learn how to master your credit cards and avoid debt.
  
  
• Credit Cards are a Bad Idea
  Credit Cards are a Bad Idea. Credit cards are just so convenient, aren’t they? There’s no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven’t been paid yet, then you don’t need to worry, because the money will still be there.
  
  
• Credit Card Cheques and Cash Advances
  You can do more with your credit card than just pay for things with the card. You might be sent a credit card chequebook, for those times when you’re paying someone who can’t accept your card. And you might also be offered cash advances – a way of withdrawing cash directly from your credit card,
  
  
• How Your Credit Rating Affects You
  Every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating. Who keeps a record on you will vary according to where you live, but the big three credit reference agencies are Experian, Equifax and Trans Union. They will provide your credit rating to any company that is thinking of lending you money.
  
  
• Finding the Right Credit Card
  There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you’ve seen? Take this little quiz to find out what you should look for in a card.
  
  
• Turned Down for a Credit Card?
  Turned Down for a Credit Card? Yoy've gone through the long and terrible process of giving your details, only to find that you got turned down for a credit card. This can feel a little insulting, like a rejection, especially if you feel like you could easily handle the card in question. So what can you do if it happens?
  
  
• Get The Best Credit Card Rates
  Get the Best Current Credit Card Rates. So you’ve got a few credit cards, and you’re quite happy with them overall. Still, wouldn’t it be nice to save a little money on interest? It all adds up over time, and more quickly than you’d think. If you’re a good customer, you’d be surprised how easy it is to get a better rate.
  
  
• Credit Card Interest Rates
  Understanding just how credit card interest rates work can help you see how important small differences in rates and payment amounts can be
  
  
• Credit Card Terms and Conditions
  Credit card terms and conditions seem best left to lawyers. Credit card lenders are devious, and there are plenty of things there designed to catch you out – here’s what you should be on your guard against.
  
  
• Top Credit Card Mistakes
  How to avoid the top credit card mistakes. When you’re dealing with credit cards, you’re playing with fire. Unfortunately, there are plenty of people out there who don’t realise that, and make all sorts of dangerous mistakes with their credit cards every day.
  
  
• Credit card jargon
  There's just too much credit card jargon. Here's our simple guide to the most common credit card jargon. Credit cards, as part of the financial industry, use a massive array of jargon. You can’t be expected to recognise all these technical terms, and some of them are quite important – so here’s a quick guide, in alphabetical order.
  
  
• credit card interest rate changes
  Beware the Sudden Credit Card interest Rate Changes. Watch out for sudden credit card interest rate changes. There are some credit card lenders out there who are trying to scam you. They’ll offer you a good interest rate, wait for you to spend a lot of money, and then suddenly jack up the interest through the roof. Suddenly you’re screwed, with nowhere to go.
  
  
• Credit card payment holiday
  Warning: Credit Card Payment Holidays always cost you more money in the long term. Once you’ve been paying off a credit card for a while, you might be offered a ‘payment holiday’. You’ll get a letter, saying that since the company knows it’s difficult for some families around Christmas (or whatever other excuse they think up), they’re offering you a month off from paying, as a ‘special present’.
  
  
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