http://www.financealley.com en-us editorial@financealley.com The ever increasing number of people that choose to spend on plastic rather than in cold hard cash, demonstrates just how important the convenience and flexibility of our purchase power is. However, the surge in credit card use that we have seen in recent... http://www.financealley.com/article_192855_72.html 26th July 2007 Most people hesitate in spending money in order to insure their credit cards. But little do they know the truth. Thirteen thousand credit cards are stolen, lost, or misplaced every day in the UK. What if yours is one of them? Imagine if your c... http://www.financealley.com/article_183149_19.html 05th July 2007 All your financial activity is recorded and stored by 3 UK credit reference agencies. These are: Equifax CallCredit Experian If you apply for a credit card, then your credit card company will check your record f... http://www.financealley.com/article_182426_19.html 03rd July 2007 The credit card is just about 50 years old and yet, today there are more credit cards in the UK than people. In fact, £25 billion are spent annually using credit cards in the UK alone! It all began in the year 1951, when a New York based bank... http://www.financealley.com/article_180072_19.html 01st July 2007 Whether you are a spender or a saver, there are now a mind boggling variety of credit card options from which you can make a selection. You will be spoilt for choice - from the bland vanilla credit cards that offer one or two months of interest free credi... http://www.financealley.com/article_179470_19.html 29th June 2007 "Phishing" pronounced "fishing" occurs when spurious sites or emails capture your credit card or bank account details. Emails are sophisticated, and sites look genuine so it’s very difficult, almost impossible, to catch phishing. So see if these tips he... http://www.financealley.com/article_178366_19.html 29th June 2007 Universal credit ratings and credit blacklists are nonexistent. Yes, that’s right. Each company will assess you in their own way, although logically, a bad risk for one company is an equally bad risk for another. Your credit activity is stor... http://www.financealley.com/article_177167_19.html 25th June 2007 The newly introduced Chip and Pin scheme has been incorporated in almost all shops, shopping centres, restaurants and websites. The main intent of introducing such a system is to prevent credit card owners from signing for their purchases with the hope th... http://www.financealley.com/article_176192_19.html 19th June 2007 Credit card cheques are merely another method credit card companies have devised in order to market their credit cards. Sometimes, companies mail unsolicited credit card cheques to their customers to tempt them to make purchases with them. In ... http://www.financealley.com/article_174202_19.html 15th June 2007 This question is almost as tough as deciding between Coke and Pepsi. Visa and Mastercard have been battling each other since the 1960s; however, it was American Express that really started the credit wars between the giants during the early 1960s. Amex, a... http://www.financealley.com/article_173021_19.html 12th June 2007 A store card is merely another type of a credit card with some differences: You can use a store card only in a shop or a chain of shops that are owned by one company You can use the store card to make purchases online, at the store’... http://www.financealley.com/article_171290_19.html 07th June 2007 Shopping online with your credit card is fraught with risk and you should take extreme care while doing so. Below are some tips you must ensure that you follow while surfing the Web and visiting ecommerce sites. Avoid Online Transactions <... http://www.financealley.com/article_170494_19.html 06th June 2007 Balance transfer credit cards, as the name suggests, allow you to shift the outstanding amount from your current card to another credit card – often for minimal cost. This new card might offer an interest free period or a more attractive rate of interes... http://www.financealley.com/article_169835_19.html 05th June 2007 You might be shocked to know that, as a credit card consumer, you may have paid up to £25 in hidden charges! A huge number of credit card users’ end up paying hefty charges that are taken without their knowledge. It has become such a burning issue that... http://www.financealley.com/article_168837_19.html 04th June 2007 If you find yourself confused about which credit card to select, then here are a few tips to help you make a firm decision. First, ask yourself, why do I need a credit card? Other than convenience, generally, people will opt for a credit card because they... http://www.financealley.com/article_167372_19.html 31st May 2007 Rate tarts are the savvy bargain hunters of the credit card world. They exploit the credit card system to the full and thus: avoid paying interest on their purchases manage to borrow money on their cards almost for free ... http://www.financealley.com/article_167364_19.html 31st May 2007 Multiple credit cards come with their own set of advantages and disadvantages. If you wish to own multiple credit cards you will stand to gain several benefits and at the same time, you might lose out in certain areas. The Benefits of Ownin... http://www.financealley.com/article_167361_19.html 31st May 2007 While it is undoubtedly very convenient to swipe your credit card when you are travelling overseas, it might be an eye-opener to know that you may be paying additional costs and fees every time you do so. Consider these statistics – Banks earn £500 ... http://www.financealley.com/article_167360_19.html 31st May 2007 Strange, isn’t it? How a potential debt trap - a credit card - which is much maligned for tempting you to spend money … can actually help you to make money? If you think you are about to get tips on how to make your first million, you might be disapp... http://www.financealley.com/article_167355_19.html 31st May 2007 Credit cards have, undoubtedly, received a lot of negative press. However, they offer many benefits which are often overlooked in the media hype and security concerns. Let us take a quick look at the diverse advantages you get if you use your credit card ... http://www.financealley.com/article_167351_19.html 31st May 2007 Consolidating all the debt you have accumulated on your separate credit cards is perhaps one of the best things you can do for your financial health and well-being. Consolidating your credit card debt is helpful for several reasons and we will look at som... http://www.financealley.com/article_167348_19.html 31st May 2007