A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.


MBNA is a Four Letter Word


Find in Credit Cards October 23rd, 2010 - 12,658 views

It’s a subject that makes my blood boil. Credit card rate hikes. It’s something that has gotten me very close to the point of cancelling the direct debits to one of my card issuers and refusing to accept their extortionate rate rises but that would ultimately do me more harm by tarnishing my credit file […]

Are credit cards the safest way to pay for your holiday?


Find in Credit Cards September 10th, 2010 - 14,770 views

Summer 2010 was a terrible one for the British travel industry as thousands of holidaymakers had their vacations disrupted through a combination of collapsed travel companies, threats of industrial action and even volcanic ash clouds! So, as people’s thoughts turn to summer 2011 and with such uncertainty in the travel industry, does it make sense […]

How Do MBNA Fund All the 0% Offers


Find in Credit Cards June 25th, 2010 - 7,143 views

How do credit card companies manage to offer 0% interest rates? I haven’t spoken to any credit card companies about this so this is purely speculative but I would imagine they borrow funds at a set interest rate for a set term. They then take on new customers at 0% in the knowledge that some of […]

How to Protect your PIN


Find in Credit Cards August 27th, 2009 - 6,475 views

Thanks to the introduction of Chip and PIN your debit and credit cards are “much less likely to be used fraudulently in the UK” according to Apacs, the UK payments association. However, in order for Chip and PIN to be successful, we all need to continue to look after our PINs to keep them out […]

NEW credit card calculators on compareandsave.com


Find in Credit Cards August 26th, 2009 - 6,482 views

You can now take control of your credit card finances with the three new calculators just launched on compareandsave.com. All three of our new calculators are easy to use and will display your results in writing, as a graph and in a table, giving you the information you need to know what to do next. […]

Marbles Credit Card Closed to New Customers.


Find in Credit Cards May 1st, 2009 - 11,205 views

In April, the Marbles credit card brand closed it’s doors to new customers. I don’t remember seeing much in the way of publicity about this but what has come to may attention is the fact that certain existing customers of Marbles have been seeing their interest rate slowly rise. I spoke to Marbles about this […]

Credit Cards, New Laws, Less Spend Spend Spend


Find in Credit Cards March 17th, 2009 - 6,346 views

Isn’t it a good thing that credit card companies are finally going to be stopped from increasing their customers credit limits without consent! It’s like a breath of fresh air after a crazy time of money madness. I’ve had the letters: ‘we’re happy to say we’ve increased your credit limit’. My initial thought has always been ‘that’s […]

New Barclaycard Breathe Card with Green Incentives


Find in Credit Cards July 10th, 2007 - 5,051 views

But is it a good idea? On the surface the new Barclaycard ‘Breathe’ card looks fantastic for anyone that is environmentally concerned. 50% of profits donated to worldwide projects that help tackle climate change Discounts and low interest rates on selected greener spend such as money off insulation and discounts on bicycles at Halfords. The profits are […]

Persistence Pays Off – Your Unexpected Interest Costs


Find in Credit Cards June 17th, 2007 - 5,699 views

After reading a misleading advert regarding an M&S credit card offer, a UK consumer withdrew a number of Euros expecting to pay no interest until January 2008. Turns out the offer was for ‘brand new customers only’ and their subsequent statement revealed £20 worth of interest. Several calls and appeals later, M&S finally repaid the interest but […]

Online Advertising Affecting Interest Rate Offers?


Find in Credit Cards June 8th, 2007 - 2,828 views

Could it be possible, that because there are a large number of websites advertising a particular product, they could affect how changes are made to that product? For example, credit cards. Some advertise 0% until May 200X….. Some advertise 0% for 13 Months. In order for the company advertising ‘May 200X’ to remain competitive, this needs to […]

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Any information shared on UKMoneyPot does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser.