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Credit Cards & Loans

Introduction

 

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Some level of debt is a normal part of modern life, but learning to manage that debt wisely makes good financial sense. The tips and news you’ll find here will help you get smart about your debt – and maybe even back in the black.

How to

Applying for a loan: how to dodge the ‘underhand tactics’ used by banks

Loan providers are using ‘underhand tactics’, which are costing Brits as muc...

Avoid these simple credit card mistakes to keep 0% deal

One in five Brits who’ve taken out a balance transfer card in the last five ye...

Money Mailbag: I’ve saved enough for an extension, what’s the best way to spend?

“We’ve finally saved up enough to get an extension on our property (£40,000...

A guide to picking the right credit card

To mark the 50th anniversary of Britain's first credit card, here's a handy guid...

Card fraud soars: how to stay protected

Cases of card fraud have increased 18% in one year. Follow these steps to avoid ...

Top tips: getting the best balance transfer deal

Balance transfer credit cards allow borrowers to move debt from an existing cre...

Understanding

The truth about 0% car finance deals

More people than ever are using some form of finance to purchase a car, and deal...

Consumer lending rises 8% over one year

New lending figures will raise concerns over consumer borrowing, as the Finance ...

Credit card vs loan: which is best for borrowing money?

Here are the top ten things to consider when working out the best way to fund pu...

High cost of credit a ‘key risk’ says Citizens Advice

As Bank of England figures show continued expansion in consumer credit, Citizen...

Consumers keep borrowing, but Bank of England is worried

Credit growth slowed in May and affordability levels are still under control, bu...

Should you pay back your children’s student loans?

The interest payable on student loans has hit new highs, thanks to rising inflat...

News

Students graduate with an average of £50k debt

English graduates have the highest student debts in the developed world as they ...

Consumer credit firms warned over risky lending

The Prudential Regulation Authority (PRA) has published a statement on consumer...

UK households increasingly reliant on credit to make ends meet

Three quarters (76%) of British households are reliant on credit to make ends me...

Why you shouldn’t buy travel currency in the UK with your credit card

If you’re heading abroad this summer, exchanging money in the UK ahead of your...

Women and under-35s most likely to use overdrafts

A fifth of affluent households rely on their overdrafts every month, with women ...

Halifax offers new bank account customers £161 sweetener

Current account customers who switch to Halifax can now earn £161 worth of cash...

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