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Credit Cards

Welcome to the Credit Card section of Finance Monthly, where we provide essential insights and advice on managing credit cards effectively. This section is dedicated to helping you navigate the complex world of credit cards, offering expert tips on choosing the right card options, understanding interest rates, and maximizing rewards. Whether you're looking to build credit, find a card with the best benefits, or manage credit card debt responsibly, our resources are designed to empower you with the knowledge to make informed financial decisions and optimize your credit health.

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Average Credit Score in the UK

16th September 2024
  There are 3 main credit reference agencies which have different calculations to produce your credit score so it could vary by which agency your use. It can take some time to build a good credit score and you shouldn’t worry about trying to do this quickly. There are some ways to speed up the […]
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Best Balance Transfer Credit cards 2024

11th September 2024
What is a balance transfer Credit card? Balance transfer credit cards are used to move your outstanding debt from one card onto a new one, typically with lower interest rates. They are useful if you need more time to pay off a big purchase and want to avoid interest rate payments. When used effectively they […]
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The Pros and Cons of a balance transfer credit card

11th September 2024
  What is a balance transfer Credit card? Balance transfer credit cards are used to move your outstanding debt from one card onto a new one, typically with lower interest rates. They are useful if you need more time to pay off a big purchase and want to avoid interest rate payments. When used effectively […]
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What does APR mean?

4th September 2024
  What is APR? Annual percentage rate. APR is the official rate to help you understand the cost of borrowing any amount. Your lender should always disclose the APR before you sign any agreement. APR can be a good way to compare credit cards to see which would work out cheaper for you.   How […]
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Top Credit Cards Offering Retail Rewards

28th August 2024
  You can find credit cards which offer rewards when you spend so that you can get something back. This can include travel rewards, cashback or retail rewards. This means you can choose which one would be best for you and which you could get the most out of. Having a cashback card will work […]
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The Best Cashback Credit Cards 2024

27th August 2024
Cashback Credit Cards Cashback credit cards have become an increasingly popular tool for consumers looking to maximise the value of their everyday purchases. These credit cards offer a simple yet effective reward system: a percentage of your spending is returned to you in the form of cash, which can be applied as a statement credit, […]
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Best Credit Cards for Travel Rewards 2024

27th August 2024
Best Credit Cards for Travel Rewards Choosing the right credit card with travel rewards can be a valuable tool for frequent travellers, offering benefits like air miles, discounts on flights, and hotel stays. However, it’s essential to evaluate the rewards program and associated costs to ensure the card aligns with your spending habits and travel […]
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Is It Worth Having a Rewards Credit Card?

23rd August 2024
  Should I have a Rewards credit card? Rewards credit cards can be an enticing option for consumers, offering various perks that range from travel discounts to cashback and retail rewards. But are they really worth it? To answer that question, let’s explore the different types of rewards available and weigh the pros and cons. […]
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Do I have a credit score without having a credit card?

23rd August 2024
  Building a good credit score is essential for accessing favourable financial opportunities, such as loans and mortgages, in the future. While getting a credit card is a common method to establish and improve your credit score, it’s not the only way. In fact, many people are unknowingly contributing to their credit scores through everyday […]
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Hidden fees on your credit card

20th August 2024
  You've decided to get a credit card, confident that you can manage your finances well enough to avoid late payment fees, and build up your credit score to become a reliable borrower. However, while avoiding late fees is an essential part of using a credit card effectively, it's just one piece of the puzzle. […]
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9 Common Credit Card Myths Debunked

19th August 2024
Credit cards are valuable tool to manage your personal finance and start to build a credit score, understanding them properly is important before you apply. There are lots of misunderstandings about credit cards so we are here to debunk some of them and set the story straight so you can relax and use the account […]
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Klarna VS. Clearpay

15th August 2024
  Which Buy Now, Pay Later Service Is Right for You? Buy Now Pay Later (BNPL) services are popular among consumers as an alternative way to finance their purchases. In the UK, two popular players are Klarna and Clearpay which both provide users with the flexibility to spread the cost of their shopping over several […]
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About Finance Monthly

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Finance Monthly is a comprehensive website tailored for individuals seeking insights into the world of consumer finance and money management. It offers news, commentary, and in-depth analysis on topics crucial to personal financial management and decision-making. Whether you're interested in budgeting, investing, or understanding market trends, Finance Monthly provides valuable information to help you navigate the financial aspects of everyday life.
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