Apacs launches new credit card guide - Published:08/11/06
CREDIT CARDS near to the ground RATE CREDIT CARDSSTUDENT CREDIT CARDS0% APR CREDIT CARDSCREDIT CARDS ONLINEBALANCE TRANSFERSApacs, the payments company, has launched a new guide designed to help students find the right praise card for their needsThe guide aims to give key information, facts and advice to help youthful adults use their credit cards sensibly while at universityAlthough fewer students rely on credit cards as a proportion of the population, 24 per cent compared with 66 per cent of all adults, according to Apacs investigate, many students find that tuition fees and living costs lead to strengthening debts Credit card advice available in the direct includes tips for borrowing and financial management, advice on protective against fraudsters and ten questions to ask before choosing the right plasticSandra Quinn, manager of communications at Apacs, said: "these days, most students expect to be in debt when they mark off and whilst it might be impossible to avoid student loan money owing, getting a handle on managing your finances can make the world of difference"new research from MasterCard Worldwide revealed that many consumers would opt for credit cards which offer plunder such as cinema or concert tickets Credit Cards | Business Credit Cards | Balance Transfers | Low Rate.
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Apacs Launches New Credit Card Guide >>
Even Better Than Stoozing - Published:03/11/06
'Stoozing' is a damn inquisitive word It's when you get a 0% on equilibrium transfers credit card and transfer the balance to a bank account that pays a far above the ground interest Before the introductory 0% period expires, you disburse off the credit card, departure you with the interest you've earned Thus, you get gratis moneyProblem is, stoozing is getting harder to do To start with, few cards let you credit have an account accounts directly Secondly, most credit cards now accuse a fee of 2-3% to move a balance, which means if you're not careful you may actually make a defeat There are a few cards absent that don't charge a fee, but none of them have 0% deals lasting more than 6 months, which income you'd have to switch cards frequently, which is easier said than doneSo stoozers are attainment less and less for more and more effort, and many have decided it's no longer worth it If you find this is happening to you, university teacher't despair You've earned your spurs, so why not hang them up and take the stoozing retirement option, namely cashback praise cardsWith most such cards, you usually receive cashback at the finish of the calfinishar year, or once a year on the anniversary of the card There are lots of very alike cashback cards offering 05% to 1% on all purchases, but the best cashback certificate at the moment isOh, I wish it was that easy The thing is, it depends on how you spend Even so, I reckon there are three that rise outGE Money claims that its computers can track purchases in any shop and work out if it's a foodstuff or petrol purchase, which is why it can pay an astounding 3% on them It pays 05% on all other purchases Not astonishingly then, this is my favourite cashback card, because foodstuff and petrol can add up to be some of our greatest bills, as I'm certain you're very awareBut consider your other expenses as well If you buy a lot of music, or electronic stuff, or if you spend a group on holidays, you could do better with one of the other two cards: the Morgan Stanley Platinum Mastercard and the American Express Platinum Credit Card Take a look at this comparison table:The final post-stoozing technique would be to get a combination of these cards if you can employ the GE Money card for food and petrol, then one of the other cards for your residual purchases The Morgan Stanley Platinum Mastercard will be best for most people, but, if you use close to, or more than, £10,000 on your credit card each day, you'd do better to get the American Express Platinum Credit Card insteadThere are two other things to bear in brain One: you'll need a great credit record to get these cards, so go for something less ambitious if you don't think you qualify Two: as always, remember to employ your certificates for one purpose, eg don't use a certificate for both purchases and balance transfers If you do, the small print could cost you a luckUpdate: since writing this article, very Foolish person who reads Adam Norman told me that GE cash has withdrawn the Everyday card, apparently because there was so little take-up, which I find firm to believe I spoke with GE cash, who agreed that it has been withdrawn, despite the fact that, at the occasion of writing, you can still apply for it through this connection: http://wwwgemoneycouk/html/creditcard/everyday_creditcardproductpageshtml If you're interested in it, I say give it a go© Copyright 1998-2006, The assorted Fool Limited All rights reserved This material is for personal employ only The Motley Fool, trick, and the "trick" logo are registered trademarks of The.
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MasterCard reveals complex credit card relationships - Published:26/10/06
novel pan-European research conducted by MasterCard has offered an unusual nearby into our complex relationships with seemingly unremarkable credit cardsThe most well-liked single quality that EU citizens wanted their cards to demonstrate was high expenditure power and prestige, with 34 per cent saying that it would attract themThis was particularly physically powerful in Italy, where 55 per cent said that it would be the important factor in choosing a new credit cardThe chance to design their own credit card would be a decisive factor for 26 per cent, while a less creative 24 per cent said they would be happy with a pleasant design from their bankPeople aged between 18 and 24 were most likely to want their cards to approach with a fashionable fashion tagThe cares and concerns of rearing a young relations were reflected in the priorities of those aged 35-44, who supposed that they would most like their cards linked to a supermarket"make identity is a major concern for consumers nowadays, so it's no surprise that people want the card in their folder to reflect their interests and aspirations," supposed Fredric Conrads of MasterCard"Consumers are more likely to use a card that they have an emotional link to, whether it's concurrent to a luxury brand or their favourite football club, particularly if that card offers plunder to help maintain or attain a exacting lifestyle"MoneyExpert Limited is authorised and regulated by the Financial military Authority (FSA Registration No 301654) The Financial Services Authority does not control some forms of mortgage contract, credit cards, personal loans, current accounts and put.
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