Which is the best credit card for you? Compare cards and read the provider's terms and conditions in detail.

On our site we offer you a wide choice of alternatives so that you may make your own selection. Our featured UK credit cards, below, and our Directory of UK Credit Cards allows you to compare cards by their major features-- for example, an introductory interest rate for balance transfers and purchases and then a standard rate for both of those features. Any special features are also noted. You may link directly to the card provider's Web site to make an online application. Always read the card issuer's "fine print" to learn important contract details and terms and conditions.

Our Featured UK Credit Cards

Compare Over 300 UK Credit Cards, with Online Applications. Click here. Shop safely online with marbles credit card. Click for details.

Typical APR of 15.9% (variable) on card purchases,
and a rootin’ tootin’ 0% p.a. on balance transfers for
12 months from the date your account is opened.
(A 2% handling fee applies.)
Tell your other cards to leave town.
Click here to apply for a Virgin card.

Credit Card Late Fees Assailed by MPs.
The Office of Fair Trading say that excessive late fees, based upon questionable accounting practices, may breach anti-competition laws-- and have written Parliament about it. John McFall, chairman of the Treasury Select Committee, has held meetings with major card issuers about their rates. Committee members also criticised card companies for sending unsolicited credit card cheques to vulnerable cardholders.

The OFT began meeting with major UK credit card issuers in October to discuss the late payment fees. Fees typically vary from £25 (at HBoS and MBNA), to £15 at Nationwide. The Select Committee also has been meeting with providers. Read the whole article from business.telegraph.


Consumer Watchdog Which? Pours Petrol on the Fire with Study Claiming Exhorbitant Late Fees for UK Credit Cards.
The consumer advocate Which?, formerly The Consumers' Association, say their recent study reveals that "The credit card industry is using dubious sales practices and unjustifiably high charges to wring every last penny from its customers." They specifically cite late fees set higher than required to recover the cost of dealing with late payments.

This claim is in line with the OFT's charge (above). Which? found that one in four UK consumers suryveyed reported being charged late fees, which are typically £20 to £25, at least once during the previous 12 months.

Make certain that you allow plenty of time when you post your payment in the Royal Mail. Even if the mail is late-- due to no fault of your own-- your payment is still late according to the terms and conditions of the credit card provider. Once again, carefully read your contract and its terms. Not only will a late payment cost you a one-time late fee-- onerous enough in itself-- but it may trigger a clause that automatically defaults your present interest rate to a higher one!


The Office of Fair Trading Continues Its Efforts to Lower Credit Card Rates.
The OFT are now targetting Visa as well as MasterCard in an anti-competition enquiry. The OFT allege that both card providers have restrictive, anti-competition agreements with the banks that process credit card transactions. The OFT say that both card providers had better get it right or face sanctions.

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