Posted by Peter Brady on Tue 3rd October 2006 at 06:00 AM, Filed in Cool Credit Cards,  Student Credit,  UK Credit Cards

For students looking for credit you may want to take a look at the Capital One Classic Visa Card.

• No Annual Fee.

• Between £200 and £2,500 in spending power.

• Credit limit increase - simply use your card, stay within your credit limit and make your payments on time and we increase your initial credit limit on your 4th statement.

• A FREE choice of card design.

• Spread your payments.

• Typical 34.9% APR variable.

As always Credit Card Cool recommend caution to all students taking on debt via credit cards. Be weary and be sensible.

Credit Card Cool award a *** ranking out of a potential ***** star ranking for this Credit Card.

Posted by Peter Brady on Wed 20th September 2006 at 07:00 AM, Filed in Cool Card Designs,  Cool Credit Cards,  Credit Card Of The Week,  UK Credit Cards

Looking for a reward credit card with a difference. Check out the Conran.

Here’s what it offers: 

 

Read more...

Posted by Peter Brady on Thu 14th September 2006 at 07:00 AM, Filed in Cool Credit Cards,  UK Credit Cards

Sainsbury’s credit card offer offers some differentiality from competitors. But not much!

Check out the features below:

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Posted by Peter Brady on Wed 13th September 2006 at 07:00 AM, Filed in Credit Tips,  UK Credit Cards

This is a simple ten point check to see if you are coping with your existing debt levels:

1. Do you regularly go over your credit limit on your credit card?

2. Do you pay for nights out on the town in preference to clearing more of your credit bills?

3. Do you try to regularly repay capital as well as interest?

4. Is your credit predicament a clandestine affair, in particular with regards to your partner?

5. Do you bury your head in the sand with regards to credit bills by leaving mail unopened?

6. Do you a contingency for emergencies i.e if the roof needed replacing. Or would you need to borrow the money?

7. Do credit cards fund your everyday expenditure with no view to repayment at the end of the month?

8. Do debt collectors ever bother you for unpaid bills?

9. Is money a frequent cause of distress in your family?

10. Is shopping, using credit cards a form of release for you?

If you answered yes to any of these questions then you seriously need to take a look at your spending and credit habits. Credit cards are one of the most expensive forms of debt around so it pays to review your position early and ruthlessly if you want to save yourself some serious heartache down the road.

Posted by Peter Brady on Tue 12th September 2006 at 07:00 AM, Filed in Student Credit,  UK Credit Cards

As a student it is always important to err on the side of caution as far credit cards are concerned. It’s all to easy to fall into serious debt with hefty APR interest payments to boot. Plus, if you encounter difficulty in terms of repayments, it could affect your credit reference for a very long time, which will impact your ability to hire cars, get further credit or most importantly obtain a mortgage. If you’re thinking that kind of thing is a way off, then think again because poor credit history lingers for a very long time.

However, the Barclays Student Card does seem to offer some reasonable functionality and features, albeit at a price. 

Here’s the run down:

• APR 14.9%.
• Save money on an Inspiron 1300 notebook offer from Dell when you pay with your Barclaycard. Want more oomph.
• Up to 20% off student essentials from Argos.
• No annual fee.
• Secure shopping with identity protection information.
• Safer shopping online with fraud protection.
• Reassurance about delivery with purchase delivery promise.
• Emergency help when travelling abroad.
• Great holiday deals with our Travel Service.
• Convenient online account management.
• Emergency cash advance and credit card replacement service.
• Text alerts five days before payment is due.
• 24 hour helpline.

Credit Card Cool award a *** ranking out of a potential ***** star ranking for this Credit Card.