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Articles about credit cards

Credit cards can be really useful but they can also be dangerous - if you just tap the card it can be too easy to run up bills that will take you many years to clear.  So how can you make the best use of them? The articles here look at

make sure you get the benefits - practical steps you can take so that the banks don't make huge profits from you;

what's new and what's changing with credit cards in Britain?

too much credit card debt -  how can you tackle it fast?

Barclaycard to hike minimum payments in January 2021 – are you affected?

Barclaycard emailed customers in November 2020 about changes to their credit cards. With the title "Dear [customer name], we're updating your T&Cs ", you may have ignored it. But many people will find their minimum payments are going to be increasing from 26 January 2021. And some of the increases will be very large. This affects Barclaycard holders with Cashback, Freedom, Forward, … [Read more...]

December 1, 2020 Author: Sara Williams Tagged With: Barclays, credit cards

Barclaycard send letters saying they raised credit limits too high

UPDATE in April 2021, Barclaycard has made another set of cuts to customers' credit limits. In July 2020 Barclaycard sent out letters to some customers saying their credit limit may have been set too high. They say: We've recently reviewed the way we set some of our customers' credit limits and can see that the limit we gave you previously may have been higher than it should have been … [Read more...]

October 30, 2020 Author: Sara Williams Tagged With: Barclays, credit cards

“Will a credit builder card improve my score?”

A reader asked: I’ve recently paid off my 2 defaulted credit cards and I have been paying into Loqbox for the past 4 months (£70). I got an email from Clearscore saying I can get a Capital One credit card. This is the first time in a long time that I have been offered a credit card because my credit has been so poor but it is slowly improving. Should I apply for this? If I do what is the best … [Read more...]

October 20, 2020 Author: Sara Williams Tagged With: A reader asks, credit cards, Credit ratings

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