I received an annual statement from Barclaycard, which gave details of the cashback I’d earned by using their credit card.  This prompted me to work out the total cashback I’ve received from my three credit cards over the last 12 months. Halifax Clarity Card                   £50 Aqua Reward Card                     £92 Barclaycard [...]

After my slating of the Barclaycard Cashback Card I decided to have a look at the other new kid on the block, the Barclaycard Freedom Rewards Card. The Rewards Car promises to “make your money work harder and reward you fast”. Well, at least the Rewards Card doesn’t have an annual fee, which means anything [...]

I received a small package from Barclaycard which felt as through it had something inside. When I opened the envelope it was a silly pop-up box extolling the virtures of the new Barclaycard Cashback Card. As I’m an existing Barclaycard customer, (unintentionally, as they bought the Egg credit card division), the enclosed letter opened with [...]

The My Money Podcast #22 discusses using cashback credit cards. I’m prepared to put in a bit of effort to reap the rewards of this money for nothing, so listen to my money tips for getting the maximum cashback on your spending. Just make sure that you only buy things that you would buy anyway [...]

It can sometimes be hard to start buiding up a good credit score. I recommended the Halifax Clarity Card to a young friend who was planning a trip abroad, as the card has no overseas transaction fees. However his application was declined, even though he has a current account with the Halifax into which his [...]

I recently looked at how to build your credit score and came across the Aqua Reward Credit Card. It’s promoted as a good option for people with no or poor credit history. The bad point is that the lowest rate of interest on offer is a whopping 34.9%. This makes it absolutely crucial that you [...]

I find credit cards to be very useful financial products. However, I have to clarify that I always pay off the whole balance by direct debit every month. Here’s why I see credit cards as friends and some tips on how to use credit cards wisely:

If you travel abroad regularly, a Halfax Clarity Card is one of the cheapest ways to make withdrawals from cash machines and pay for transactions. You pay no fees on overseas cash machine withdrawals or transactions, the only charge is interest on the money you withdraw. As I pay off my full balance every month, [...]

I’ve already written about the Halifax All in One Credit Card which currently (2 October 2011) offers 13 months interest free credit on balance transfers and new purchases. However if you’re more interested in a longer interest free credit period for balance transfers, currently 22 months, and your balance is under £3000, then the Halifax [...]

If you are looking for a credit card which offers 0% on new purchases and balance transfers, it’s worth looking at the Halifax All in One Credit Card. This card offers 0% interest on purchases for up 15 months and 0% interest on balances transferred from other credit cards (excluding Halifax or Bank of Scotland [...]