The Virgin Money Credit Card has to be one of our favourite reviewed cards in recent weeks.
The opportunity to save an absolute fortune is apparent when you see:
0% p.a. on balance transfers for 15 months (2.98% handling fee applies)
0% p.a. on card purchases for 3 months
It’s a no brainer really when you might be paying 15% - 20% APR on your balance elsewhere. 15 months 0% even with 2.98% handling fee really is quite an exceptional deal.
Other great features include:
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An interesting piece of research published by Lloyds TSB reveals that 26% of UK Internet users took a “these things happen” attitude to online fraud.
The study also looked at some fascinating demographic differences:
• Just 15 per cent of people aged 18-25 said they felt ‘very well informed’ about appropriate ways to avoid becoming a victim of online banking fraud. This compares to 22 per cent of 35-50 year olds and 29 per cent of those over 65.
• Gender was another major discriminator - 26 per cent of men claimed to be well informed, whereas just 14 per cent of women expressed confidence.
• Some 39 per cent were blithe because they knew their bank would reimburse them.
Ian Larkin, managing director of consumer banking at Lloyds TSB, said:
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If you’re looking to be rewarded for your spending habits then you need to select your credit card carefully.
The two best examples we have been able to find are as follows:
TOP CASHBACK CREDIT CARDS
Capital One Cashback with World Mastercard Card
• Earn 4% cashback on all purchases for the first 3 months.
• Continue to earn 1% Cashback on all purchases after the first 3 months.
• Free Travel Insurance and Travel Assistance for you and your family.
Not bad!
American Express Platinum Credit Card
• 3% for first 3 months.
• Followed by 0.5% for spend up to £3,500, 1% from £3,501-10k, 1.5% thereafter.
The great thing about these deals is that every bit of spend counts - the more the better. Maybe consider paying for weekly shopping, utility bills, holidays etc on these types of cards. The rewards can really add up.
In addition, why not double up your spend on these cards by nominating other cardholders for the same account.
If you’re a devoted Football fan then the Barclaycard Football Credit Card could be right up your alley.
With the new football season just beginning you could enjoy some really interesting features with this new offer from Barclays.
Features include:
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The MBNA Platinum Plus Credit Card isn’t going to win any prizes for originality with it’s design. Unimaginative, might be the best way to describe it!
However, it does offer some reasonably interesting features to make up for it’s lack of credit card cool…
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