Archive for the 'credit cards' Tag

Credit cards can be a very useful financial product if used carefully you can get cashback, various rewards and benefit from 0% offers. However you can end up paying high rates of interest on your outstanding credit card balance.

Why I’m Glad I Ditched My Santander 123 Credit Card

I was initially very happy with my Santander 123 Credit Card. It offered 0% interest on both purchases and balance transfers (with no balance transfer fee) for 23 months. In addition, I was able to earn cashback on specific categories of spending. The highest rate of 3% cashback was paid on fuel for the car […]

Halifax Ditch £5 Clarity Card Reward

The £5 monthly reward on the Halifax Clarity credit card is being removed from 30 September 2016. It’s never been that easy to fulfil all the eligibility criteria to earn the £5 reward. You had to hold a Halifax current account into which you paid at least £1,000 a month, make at least £300 of purchases […]

Check Your Card Before Making an Overseas Purchase

I decided to pay upfront for one year’s backup service for both my websites. As the backup provider charges in US dollars,  I knew that I’d need to use a credit card which doesn’t charge a fee for overseas transactions. I pulled what I thought was my Nationwide Select credit card from my purse. Just […]

TSB Platinum Credit Card Offers 20 Months Interest Free Plus 1% Cashback

The TSB  Platinum Credit Card currently offers 20 month interest free on both purchases and balance transfers, but there is a 2.95% balance transfer fee. There is no monthly fee on the credit card. II you are a TSB Classic Plus Current Account holder, you can also earn 1% cashback on purchases, up to a value […]

My Money Podcast #116

The My Money Podcast #116 summarises the recent Help Me To Save articles below. listen to ‘My Money Podcast #116 :Round Up of Recent Articles’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Barclaycard 28 Month 0% Balance Transfer Credit Card – This credit card offers 0% for […]

Review of Barclaycard Platinum 28 Month 0% Balance Transfer Credit Card

The Barclaycard 28 Month 0% Balance Transfer Credit Card offers 0% interest on balance transfers for 28 months. There is an effective balance transfer rate of 1.35%. Initially, you are charged a 3.5% balance fee, then a refund of 2.15% is made within two working days, bringing the fee down to 1.35%. I can never […]

My Money Podcast #113

The My Money Podcast #113 summarises four recent Help Me To Save articles. listen to ‘My Money Podcast #113:Recent Aritlces Roundup’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Review of BT Infinity Fibre Broadband –  We had BT Infinity Fibre Broadband installed a few months ago. I […]

How I Improved my Experian Credit Score

After my surprise at the drop in my credit rating from good to fair, during my free trial of Experian’s CreditExpert, I decided to take action to improve my credit score. I was quite confused about whether closing old redundant credit cards would have a positive or negative effect on my credit score. Having a long-standing credit […]

All Credit Card Statements Should Clearly State End Date of Promotional Offers

I was impressed that the monthly statement for my Santander 123 Credit Card clearly stated the end date of the promotional 23 month 0% rate of interest on new purchases and balance transfers. The date was  at the bottom of the list of transactions for that month. I believe that this is really useful for […]

My Money Podcast #111

The My Money Podcast #111 summarises the recent Help Me To Save articles below. listen to ‘My Money Podcast #111: Recent Articles Round Up’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Bagging a £19 a night room in London – I found the Holiday Inn Express London […]