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Best buy tables - are they really the best?

Everyone from the government to Tesco may seem to be compiling best buy tables these days - but are they all to be trusted?

Beware of 0% credit cards

While zero per cent credit card balance transfers might seem the ideal solution for Britons who have maxed out on their plastic, concerns have been expressed that such deals could disguise less favourable terms and conditions.

Bank charges - the latest findings

UK current account holders could be interested to see the latest figures from the Office of Fair Trading in its research into bank charges.

No change for the base rate

The Bank of England has again opted to maintain the current base rate of interest at five per cent.

Credit to crunch further

The Bank of England has detected market expectations that the credit crunch is to bite harder in the coming months.

Families need access to credit unions

It is important to give those feeling the credit crunch the chance to access affordable forms of lending, according to the government.

Credit card flexibility offers benefits

Consumers who use credit cards when they shop can manage their finances with the benefit of flexibility.

Value of reward schemes highlighted

Certain credit cards and their attached reward schemes do have a number of benefits, an expert has argued.

New technologies to revolutionise payment

The way we pay for things could be revolutionised by emerging technologies, according to Apacs.

Restricting PPI could leave Brits unprotected

Many Britons could be left without cover if payment protection insurance (PPI) sales are restricted, it has been claimed.

Debt consolidation is an option

A debt consolidation loan is one of a number of ways of tackling an affordability crisis, it has been claimed.

Base rate held at five per cent

The monetary policy committee has again fixed the Bank of Englands base rate of interest at five per cent.

Base rate could reach four per cent

The Bank of England could ultimately lower the base rate of interest as far as four per cent, it has been predicted.

Faster Payments Service rolled out across UK

UK payments association Apacs has announced the launch of its Faster Payments Service across the country.

Lenders harassing those in debt

Britons in debt are being pursued by different individuals from different departments, leading to them feeling harassed, it has been claimed.

Middle class credit is being crunched

The middle classes are not escaping the credit crunch, according to new research.

Credit no fallback for crunched households

Credit cards are no long-term solution to tightened household finances, it has been suggested.

Mixed views on interest rate decision

Economists are divided as to how soon the Bank of Englands monetary policy committee is likely to change the base rate of interest.

Bank Rate fixed at five per cent

The monetary policy committee has agreed to maintain the base rate of interest at its current level of five per cent for another month.

Inflation overhang could encourage base rate cut

This weeks monetary policy committee decision could be spurred by the inflationary outlook in the immediate future, according to an economist.

Travel tips for gap year pros

Professionals heading abroad to recapture their motivation have been given insurance advice by American Express.

No me-time for hard-working Brits

Many Britons are working so hard to pay their bills that they are left with no personal time, according to American Express Insurance Services.

Four in five firms do not encrypt data

Up to 80 per cent of UK firms could be putting their customers data at risk by not encrypting hard drive contents, it has emerged.

Knock-on effect from lack of transfer deals

A reduction in credit card balance transfer offers is likely to materialise in the form of other financial effects for many Britons, it has been claimed.

Credit no more available with lower base rate

Reductions in the base rate have so far proved meaningless for borrowers, it has been claimed.

Halifax offers all-in-one interest-free card

New purchases and balance transfers to a new Halifax credit card are to avoid interest, it has been revealed.

BBA updates Banking Code

March 31st sees the official introduction of the 2008 edition of the Banking Code.

Serious debt not in best interests of Britons

It is in nobodys best interests to develop a serious debt problem, according to Halifax.

Base rate cut may still be needed

An atypical cut in the base rate of interest may be needed despite improving growth expectations, according to John Charcol.

Debt lifestyle for Brits

Consumers in the UK could have become accustomed to debt as a lifestyle choice, it has been suggested.

Credit applicants haunted by white lies

With credit conditions tightening, Equifax warns Britons not to lie in order to access new lending.

Understanding important for credit cards

When obtaining a new credit card, it is important to understand the product in full, says Credit Action.

Christmas still squeezing finances

Pre-Christmas expenditure could be having a knock-on effect on some households monthly finances, it has been claimed.

London always will be fraud central

As well as being the nations capital, London is likely to remain the centre of the countrys fraud problems, it has been claimed.

Bank charge refunds could stay frozen

Consumers may have to wait a little longer to receive any refunds on their bank charges, it has emerged.

Egg could face investigation

A row relating to the decision by Egg to cancel some of its credit card accounts could result in a formal investigation, it has emerged.

Consumers wait ten hours to report missing cards

The typical consumer takes ten hours to report their credit card lost or stolen, according to security group CPP.

Christmas spending growth slowed in 2007

The 2007 festive shopping season did not show as much growth as in recent years, it has been revealed.

Proactive approach needed for personal finance

A personal finance expert urges Britons to "get smart, get savvy" and address their monetary problems.

Credit card bills buoyed by impulse buys

Britons impulse-buying habits are adding to the amount owed on credit card bills, it has emerged.

Post-Christmas lull in saving for children

The fallout from Christmas expenditure sees a drop in saving for children in February, it has emerged.

Black is the new blue for UK finances

So-called Blue Monday went worse than expected for UK investors, with £77 billion wiped off the FTSE 100.

Insolvencies set to rise in 2008

The number of insolvencies and individual voluntary arrangements (IVAs) taking place in Britain looks set to rise significantly this year, with "quite a few predictions to say that there will be an increase".

Young credit card holders not conducting comparisons

Young people in the UK are failing to carry out any sort of credit card comparison when signing up for new lending products, according to one personal finance institution.

UK payment trends revealed

With a myriad of personal finance products on the market, many consumers often have a variety of payment methods at their fingertips every time they make a purchase. With this in mind, Apacs has published a report entitled Payment Myths that aims to uncover how people really spend their money.

Millions spent on credit cards in last minute rush

Millions of pounds are to be spent on credit cards on Christmas Eve as people look to do their last minute festive shopping, new figures reveal.

Christmas sales helping to stop debt

Britons could be facing a brighter Christmas financially thanks to seasonal sales, it has been claimed.

Credit card customers should be given examples

A likely repayment schedule should be given to prospective credit card customers before they sign up to a deal, it has been suggested.

Banking Code will not end age discrimination

A new version of the Banking Code is not to outlaw discrimination on the grounds of age, it has emerged.

Credit card satisfaction test sees John Lewis top chart

Research into the best credit card provider for customer satisfaction has found the John Lewis/Waitrose group named as number one.

No finance worries for festive movers

Britons moving house this festive season are likely to retain a firm grip on their finances, it has emerged.

Debit cards twice as popular as credit cards

Twice as much festive spending is to be made using debit cards than their credit counterparts, it has emerged.

Credit crunch making borrowing more costly

The fallout from the credit crunch is making borrowing more expensive for many Britons, an expert claims.

PPI important for credit card borrowers

Credit card users should consider obtaining payment protection insurance (PPI), it has been suggested.

Lenders must act responsibly, urges Citizens Advice

Consumer assistance service Citizens Advice has blamed lenders for allowing Britons to reach untenable levels of debt.

Mortgage approvals fall by a fifth

The number of mortgage approvals has fallen by a fifth since last September, according to the Bank of England.

Britons spending less in the run-up to Christmas

Many consumers are looking to reduce their expenditure in the run-up to Christmas, it has been claimed.

Record payments made into Isas

The total level of funds held in individual savings accounts (Isas) has reached record levels, reports the BBC.

Credit card ruling goes against banks

A landmark ruling sees banks responsibility for credit card transactions extend to include overseas purchasing.

Credit card holders misunderstand payments

Many credit card holders are unaware of the order in which their borrowing is repaid, according to Nationwide.

Contactless cards 100 times faster

Contactless cards are capable of completing transactions in one hundredth of the time taken by using cash, Visa claims.

Store cards tricks, not treats

Spending on store cards could prove more of a trick than a treat this Halloween, Nationwide warns.

Banks defend current account charges

A number of banks have formalised their defence against accusations of levying unfair current account charges, it has emerged.

Postal strike risk for credit card payments

Britons could find they miss repayment deadlines on their credit cards due to the postal strike, Apacs warns.

Student debt helps in future

Becoming accustomed to debt while at university helps graduates to apply for credit cards and loans later in life, it has been claimed.

HSBC current account withdrawals to warn customers of limit

Cash machines operated by HSBC are to warn the banks customers if they are nearing the limit of the overdraft agreed on their current account, it has emerged.

Mastercard launches pin-free debit and credit cards

PayPass pin-free debit and credit cards from Mastercard were released in London recently.

Apacs details faster transfer scheme delay

UK payments association Apacs has announced the introduction of a faster transfer system is to be delayed until May 2008.

Lifetime credit card balance transfers flexible

Lifetime credit card balance transfers are a flexible means of limiting expenditure, it has been claimed.

Credit card balance transfers should be long-term

Long-term credit card balance transfers are more beneficial than six-month deals, it has been claimed.

Store cards not a long-term personal debt solution

Store cards should not be seen as a long-term form of lending, it has been advised.

ABI: £2bn home insurance payout for floods

Home insurance payouts could exceed £2 billion following recent flooding, according to the Association of British Insurers.

Bankruptcy fuelled by credit card spending

Spending on personal credit cards is a common cause of bankruptcy among Britons, it has been claimed.

Overseas credit card fraud on the increase

Credit card fraud committed on UK cards overseas is increasing, according to new figures.

Credit rating must be reasonable for unsecured loans

Britons seeking unsecured loans must have a "reasonable" credit rating, it has been advised.

Travellers should compare credit cards to avoid charges

Britons should compare credit cards to avoid roaming charges, an expert advises.

Consumers should compare credit cards

Consumers should compare credit cards to find the deal most suited to their circumstances, it has been advised.

Government has lost its grip on credit card fraud

New credit card fraud reporting rules suggest the government "hasnt got a grip" on the situation, an MP claims.

Debit cards dominate credit card comparison

Debit cards are dominating credit card comparison figures, according to Apacs.

Pre-paid Visa to simplify wages

Paying wages to employees may be simplified by a new pre-paid Visa card, it has been suggested.

Mortgages not the only debt for buyers

Many homeowners incur debt beyond their mortgages when moving house, it has emerged.

Airmiles Duo offers low-rate credit card balance transfers

Credit card balance transfers to Lloyds TSBs Airmiles Duo product may take advantage of a six-month introductory rate, the provider states.

Warning issued on 31% interest credit cheques

The Observer newspaper has highlighted that credit cheques from store-card company Creation Financial Services charge a high rate of interest when cashed in.

Prepaid card to speed up travel insurance claims

A new prepaid card for travellers is to speed up travel insurance claims, it has been suggested.

Visa pre-pay card may limit insurance fraud

A new pre-paid Visa card may be useful in preventing insurance fraud, Alliance & Leicester states.

Credit card balance transfers encourage disloyalty

Interest-free credit card balance transfers reward disloyalty among consumers, it has been suggested.

Brits spend like crazy in credit card comparison

New credit card comparison figures from life assistance firm CPP show Britons spend "crazily" over a lifetime.

Visa to target business credit cards in contactless rollout

Londons business credit card users are to be among the first to use new Visa contactless technology, it has been revealed.

Wealth warning to aid store credit card comparison

A new high-interest warning could aid store credit card comparison.

High hopes for airmiles in credit card comparison

Lloyds TSB hopes airmiles will appear favourably in future credit card comparisons.

Credit card balance transfers can save store card spending

Spending on store cards may be reduced by interest-free credit card balance transfers, claims Halifax.

Lloyds TSB travel card very safe in credit card comparison

Lloyds TSB argues that its travel money card may be a safer alternative to traditional plastic in credit card comparisons.

Credit card holders should demand more

The majority of credit card holders get no benefits at all from their plastic, in spite of the wide range of well-publicised offers available.

European usage preferred in MasterCard credit card comparison

Consumers would prefer their debit card to be usable throughout Europe, according to a credit card comparison survey conducted by payments operator MasterCard.

Lloyds TSB tackles fraudulent credit card balance transfers

Lloyds TSB has launched a new service designed to prevent fraudulent credit card balance transfers.

Over 250,000 claim back bank charges

Those looking for credit card comparison options may want to look for personal finance products which offer lower default charges, after it was announced that a quarter of a million people are now claiming back fees.

Holidaymakers waste millions on credit card fees

Those looking to compare credit cards may be interested in the news that UK holidaymakers could be wasting a total of £258 million in banking fees while abroad.

Savvy spenders encouraged to consider credit card rewards

Credit card users are being encouraged to use cards that offer rewards as a way of becoming "savvy" when it comes to borrowing.

Barclaycard offers lifetime deal on credit card balance transfers

Customers taking a new Barclaycard may benefit from a lifetime offer on their credit card balance transfers, the company has announced.

Credit card comparison shows that chip and pin stops fraud

Chip and pin has lowered fraud since its introduction one year ago, according to a credit card comparison from UK payments association Apacs.

Lloyds TSB offers prepaid Visa card for half-term

Lloyds TSB has encouraged consumers to consider its prepaid Visa card to provide extra security during the half-term holidays.

Lenders "moving away" from 0% credit card balance transfers

Increases in the Bank of Englands base rate have resulted in a reduction in the number of interest-free offers on credit card balance transfers, according to UK payments association Apacs.

Credit card comparison reveals record payments in December

UK payments association Apacs has revealed that credit card comparison with other forms of payment shows plastic now "dominates" the spending market.

Egg Banking sold to Citigroup

Financial services provider Prudential has announced the sale of its credit-lending subsidiary Egg Banking, which also provides personal loans and mortgages, to credit card provider Citigroup.

Barclaycard lowers rates but maintains credit card balance transfers deal

Lending provider Barclaycard has lowered the interest rates on its Premiership and Charity packages but says interest-free periods for credit card balance transfers will be maintained.

Morgan Stanley figures compare credit cards repayments

New figures from credit provider Morgan Stanley compare credit cards as "financial aids" for borrowers.

M&S Money warns against hasty credit card balance transfers

Marks & Spencer (M&S) Money has warned its customers not to carry out unsustainable credit card balance transfers.

Credit card balance transfers war on the cards, says Moneyfacts

Financial information provider Moneyfacts says it anticipates a "war" of credit card balance transfers in the new year.

January busy for credit card balance transfers, says Sainsburys Bank

Sainsburys Bank has published new figures showing that January is the busiest time of the year for credit card balance transfers and debt consolidation loans.

Sainsburys Bank offers protection against identity fraud

Customers at Sainsburys Bank are being offered protection against identity fraud in a bid to improve security and prevent against criminal activity.

Halifax researchers compare credit cards with cash for sale purchases

New statistics have been published by Halifax which compare credit cards with cash purchases for protection in the January sales.

Credit card balance transfer rate competitive, says Sainsburys Bank

Sainsburys Bank has highlighted the "competitive" rate it offers for credit card balance transfers.

Barclaycard urges credit card comparison to prevent fraud

Financial services provider Barclaycard is encouraging retailers to increase credit card comparison with till printouts to reduce fraud in the run-up to Christmas.

American Express highlights in-built protection in credit card comparison

American Express has noted the importance of built-in purchase protection in credit card comparison.

Consumers urged to compare credit cards receipts by Sainsburys Bank

Sainsburys Bank is urging its customers to compare credit cards receipts to ensure no personal details are visible when discarding them.

Fun cheaper in Egg Credit Card comparison tables

An Egg Credit Card comparison of retail prices has shown the cost of fun has dropped over the past ten years.

Halifax offers 0% credit card balance transfers and purchases

Halifax has presented a new package which offers interest-free credit card balance transfers and new purchases.

Visa innovation to be fastest in credit card comparison

Visa has announced an innovation to make its service the fastest in the credit card comparison stakes.

Christmas spending report focuses on cash and credit card comparison

More people than ever are planning to make it through Christmas without getting into debt, according to a cash and credit card comparison.

Defaqto sees increased charges for credit card balance transfers

Research from financial data service Defaqto has anticipated a decrease in the number of cards offering free credit card balance transfers.

Barclaycard suggests security-savvy credit card comparison

Barclaycard has suggested that credit card comparison should be carried out with security in mind in the run-up to Christmas.

Cashback key factor in credit card comparison

A report from Morgan Stanley has found that cash incentives are almost as important in credit card comparison as interest rates.

Pre-paid credit card comparison doesnt add up, says Halifax

High-street bank Halifax has noted that a pre-paid credit card comparison points towards its Easycash account as a sensible alternative.

Mastercard celebrates 40th anniversary

Credit provider Mastercard has called 2006 an "historic year" following its 40th anniversary on November 3rd.

Sainsburys fares well in Which? credit card comparison

Sainsburys Bank has noted strong performance in credit card comparison tables published by consumer advisor Which?.

Visa voucher launched for online shoppers

3V Transaction Services has launched a prepay Visa card for online shoppers worried about fraud.

Halifax One deal offers interest-free credit card balance transfers

Halifax is offering interest-free credit card balance transfers as part of its new One package.

Mastercard holds conference on credit card security

Credit card service provider Mastercard has assembled a panel of industry leaders in Cyprus to discuss security within the payment sector.

Lloyds TSB credit card add-on eases nations guilt

High-street bank Lloyds TSB is offering its credit card customers access to a lifestyle assistant to help them remember to buy gifts for loved ones.

American Express urges reward-conscious credit card comparison

Reward-savvy credit card comparison could increase the amount donated to charities, according to major lender American Express.

MBNA tops credit card comparison

MBNA has topped the charts in a new credit card comparison report.

Cigarette-style warnings to aid credit card comparison

Credit card comparison could be aided by printing cigarette-style warnings on high-interest products, a finance expert has suggested.

Barclaycard extends period for interest-free credit card balance transfers

Barclaycards flexi-rate package will include a 12-month interest-free period for credit card balance transfers from October 9th.

SmartData Online performing well for Mastercard

Mastercard has revealed a landmark result for its SmartData Online (SDOL) application, which is now used in over a million European transactions each month.

MBNA and Visa in credit card agreement

Bank of America Corp (BAC), which bought credit card provider MBNA earlier this year, has renewed an agreement to continue selling Visa products until 2011.

Post Office frees up overseas credit card purchases

The Post Office has announced its credit card may now be used abroad with no commission charges.

Visa named worlds leading credit card

Visa has been named the worlds leading credit card for the ninth consecutive year at the World Travel Awards in Providenciales.

Mint introduces SMS credit card payments

Mint customers can now pay their credit card bills by text message.

Apacs advises students on credit cards

UK payment association Apacs has launched a new guide to help provide information and advice for students with credit cards.

M&S upgrades &More credit card perks

Marks & Spencer (M&S) has announced plans to introduce a variety of new perks with its &More credit card.

Offers on credit cards proving popular

Cash back credit cards are now more popular than zero per cent balance transfer cards, according to new research from Morgan Stanley.

New student credit card from Barclaycard

Barclaycard has unveiled its new student credit card just in time for a fresh wave of students to begin their degrees.

HSBC under fire

HSBC bank has come under fire from rival Nationwide for changes to its repayment terms.

M&S Money wins awards

Marks & Spencer (M&S) Money has won two major awards for its financial products.

Credit card use on the rise, says Morgan Stanley

Credit card use is expected to soar this summer, according to recently released figures from a credit card provider.

Holidaymakers spend billions before flying, finds Post Office

Holidaymakers spend £4.1 billion before they reach the airport, Post Office credit card has revealed.

Post Office launches new currency card

The Post Office is launching a pre-pay foreign currency credit card in a fusion of its currency exchange and new credit card services.

Unused credit cards are ID fraud risk

Cancel your unused credit and store cards or risk identity theft, an online credit report service has warned.

American Express has a Mini adventure

Two new credit cards have been launched in the UK with an automotive connection.

Fall in credit card fees may lead to APR rise

A number of leading banks have slashed the penalty fees for their credit cards.

Holidaymakers warned of credit card charges

Hidden charges on credit and debit cards on transactions abroad are expected to collectively cost Britons millions this year.

Consumers relying on credit cards

Brits are increasingly reliant on credit cards for their weekly purchases, according to new research.

Late fee caps postponed for current accounts

A cap on the amount that financial providers can charge as a late fee has been limited to credit cards only.

Credit card deals aiming for retention

Shopping around for credit card deals could result in some beneficial savings, according to uSwitch.com.

Loans more beneficial than credit cards

Consumers have been advised that taking out a loan may prove to be more financially beneficial than paying off their credit cards.

Advice issued for credit card repayments

As concerns grow that Britons are increasingly getting themselves into greater debt, uSwitch has warned that consumers must manage their credit more efficiently.

Disciplined attitude needed for store credit cards

Consumers have been warned that store cards could bring benefits, but only if a disciplined attitude is taken towards them.

Vary credit cards for variety of needs

Consumers shopping around for credit cards have been advised that it is vital to choose a card which will best match particular spending habits.

Loans more beneficial than credit cards

Loans should be considered when making large purchases, according to Alliance and Leicester.

Credit cards: budget now, spend later

Consumers searching online for credit cards should take their spending habits into consideration first, according to Egg.

Shopping around with online tools beneficial

Consumers have been advised to use all the online tools at their disposal to get the best personal finance deals.

Brits urged to shop around for credit card deals

Britons have been advised that they should shop around for the best credit card deals available as banks seek to slowly phase out the most consumer-friendly offers.

£1.6bn birthday gift

Brits spend an amazing £1.6 billion on birthday gifts each year.

Brits overpaying for store cards

They are easy to take out, come with discounts on your first shopping but they could be charging you 20 per cent too much interest.

Think twice about credit card cheques

Cheques sent by credit card firms are a rip off and should be ripped up, claims Which?

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