Compare Credit Cards - Top Ten Credit Cards

Capital One Classic

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Representative APR Rate34.9%
Balance Transfer RateN/A
Balance Transfer DurationN/A
Purchase Intro RateN/A
Purchase Intro DurationN/A

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Vanquis credit card

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Representative APR Rate39.9%
Balance Transfer RateN/A
Balance Transfer DurationN/A
Purchase Intro RateN/A
Purchase Intro DurationN/A

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Post Office

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Representative APR Rate16.9%
Balance Transfer Rate0.0%
Balance Transfer Duration14 months
Purchase Intro Rate0.0%
Purchase Intro Duration3 months

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Bank of Scotland

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Representative APR Rate17.9%
Balance Transfer Rate0.0%
Balance Transfer Duration12 months
Purchase Intro Rate0.0%
Purchase Intro Duration12 months

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Egg

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Representative APR Rate16.9%
Balance Transfer Rate0.0%
Balance Transfer DurationJan 2012
Purchase Intro Rate0.0%
Purchase Intro Durationmarch 2011

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Top 10 Credit Cards

On the issue of credit cards? In a fast-paced world where developments have progressed faster than how we thought they would be, innovations are vastly improving. From better communication tools that help us reach out to friends and families at the opposite side of the world to having devices that allow us to do just about anything, technology is now at the pinnacle of its success.

Nowadays, everything is demanded in instant progressions: instant coffee selections, instant meals, instant reports, instant purchases, and time has become a commodity that is demanded by more and more people. Nifty solutions have already been created, of course, credit cards being one of those.

Credit cards have been around for several years now. This tool allows approved bank members to borrow money from the bank in the form of credits, and with just a swipe of the magnetic strip at the back portion of the plastic card or a dip of the newly-innovated chip card, then transactions can be made. Limits are often imposed on each card, depending on the financial capabilities of the clients involved.

Top Ten Credit Cards

Everyday consumption can be done in versatility–from buying coffee at the local caffeine joint to purchasing a television set to even getting a vacation package to Maldives, credit cards are solutions to money-handling problems. Thick wads of money would no longer be needed every time an individual would decide to go out. With just a thin sheet of plastic, hassle-free purchases can be made.

The presence of so many banks already implicate that several types of credit cards have been created to cater to their clients’ specific needs. With various types of people with equally various types of spending patterns, a single feature would be worthless to the eyes of the many especially to those who would not deem them to be used frequently, so rewards or features would haul them all in.

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For example, individuals who travel abroad and spend foreign currencies at a regular basis would prefer points that could be claimed for free air travel or hotel discounts, and those who often shop at malls or have frequent medical purchases at pharmacies would naturally prefer rebates. Also, one can have the access to different types of insurance plans in conjunction with their credit card usage, and it will truly just depend on the individual in which piece would benefit them the most.

And because of this high competition on several credit card products, it is essential that a comparison website has to be used to be able to choose a well-regarded company. Most likely, people would find similar features in seemingly similar cards, but essential websites would break down all the valuable elements which would allow interested parties to decide which is more suited for their everyday needs. Interest rates and other penalty charges would be identified, so it is likely that financial savings could also occur through the efficient usage of these helpful platforms.

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Credit cards sound like a great deal, but we also have to understand that just as in any other product, good and bad components are present. Yes, not much money is needed to be carried around to buy the things one would need, and one’s budgeting prowess can be shown through the management of purchases, but irresponsible handlers might fall into debt if credit cards would be regarded as “free money”. Because it would appear to be enjoyable to swipe for purchases and get the products without immediate payment requirement, lack of focus might just be the doom of the user.

Also, with excessive use comes excessive interest rates, and if a client would tend to make late payments, then additional financial charges could also apply. Fraudulent activities might also happen, so one has to be very wary about doing secure payments especially on the internet. Improved technology also equates to improved methods of defrauding innocent customers, so the users would have to be extra vigilant in the dealings concerning these plastic cards.

Credit Card Comparison

Getting a credit card is simple. Usually, online applications are allowed, which makes the convenience of not having to leave the comfort of one’s home to apply possible. One would just need to scan the requirements needed, often varying from identification cards to income statements to prove one’s paying competences. But for a more customer-friendly approach with a live person available to answer all the inquiries forwarded, the usual walk-in application in the banks would be just as good.

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