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Switch with confidence, take the confusion out of finding the Best Deal (19081407) / All About Debts

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uSwitch is a free, impartial online and phone based comparison and switching service that helps customers compare prices on a range of services including gas, electricity, home phone, broadband providers and personal finance products.

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uSwitch.com s Credit offers Useful Resources

This is the uSwitch Credit offers useful resources Directory. If you have a relevant website that matches this category, Debt Debt Management Debt to go to the uSwitch.com Linking Form debt recovery

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Superior Debt Relief has helped thousands avoid bankruptcy and become debt-free by negotiating and eliminating credit card debt. consolidation debt loan online

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Your credit report file (or credit check file) began on the day you first opened a bank account, and records every credit card you ve applied for, every late payment you ve made and every loan you re paying off. company consolidation debt

Most of the information on your credit check report comes from the companies you have credit with, such as banks, retailers and finance companies. The file also contains publicly available information such as your address and any County Court Judgements against you (CCJs). consolidation debt online

Check your credit file

You have every right to check your credit file: the Financial Services Authority can help you with this. If you believe the information obtained for your credit check is incorrect, you may file a statement explaining why. Inaccurate information can be removed but no one can have accurate information removed from your record. consolidation debt free

Try these sites for more help: www.equifax.co.uk www.experian.com www.checkmyfile.com debt problem

Applying for a card if your credit check shows a poor result

Unfortunately, credit card companies offering lower typical APRs (Annual Percentage Rate) tend to have stricter credit check systems and are more likely to reject your application. With the uSwitch.com credit card comparison service you can compare the credit cards available that will accept applications from people with poor credit check results (or credit ratings). This will save you the hassle of having your applications rejected, which can also show up as a bad sign in future credit checks. credit debt

Find an interest-free credit card on uSwitch.com. Compare over 130 UK credit cards to find the best deal for you and save money interest free credit card uk cards introductory period purchases balance transfers best interest rate apr save money apply online comparison compare calculator impartial save switch switching

All credit cards charge interest. But, you may be able to avoid paying any if you use your card smartly. Compare cards on uSwitch.com and find one with an introductory interest free period, a low interest rate or other offers that can save you money. advice debt

Independent and impartial comparison

uSwitch.com is independent and impartial, so your results will show you the best cards for you, not us. We compare all UK credit cards with information that is updated daily a including those that offer interest free periods; so you can rest assured your results are comprehensive and accurate. card credit debt eliminate

How to free yourself from interest

The best way to avoid paying interest on your credit card is to pay your bills on time. Credit cards all come with an interest free period on purchases. So, if you go on a shopping spree, you wona t start paying interest on your debt until about 40 to 60 days after your purchase. debt recovery

The interest free period differs for each credit card company, but you will be able to see these in your results when you compare cards on uSwitch.com. counseling credit debt

Get an introductory interest free credit card

Some credit cards offer interest free introductory periods on purchases as a way to entice new customers. You may get up to one year at 0% interest. But, then of course, after the introduction you will have to start paying interest. So, make sure you check out the standard interest rate too. consolidation debt uk

Transfer your balance to an interest free card

If you want to move an existing balance you can take advantage of 0% introductory rates, though remember to also look for a card that doesna t charge for balance transfers. debt reduce

Need help finding an interest free card

Not a problem. Compare UK credit cards with uSwitch.com and we will work out the best cards for you. By asking you a few questions we can figure out the best deals to match the way you use your credit card. So, whether ita s an interest free introductory period or other benefits that you want, we can help you find a credit card that suits your needs. get out of debt

What introductory credit card offers are currently available on uSwitch.com Find out what introductory credit card offers are currently available. uSwitch.com compares over 130 credit cards to find the best deal for you introductory offers uk credit card cards apr interest balance transfers purchase rates cash back airmiles cashback apply online impartial comparison compare service calculator save money

Introductory offers could mean you pay no interest whatsoever on your credit card purchases or balance transfers for a limited period (for example, six months). This is ideal if you aim to pay off a balance in a short time, rather than plugging away with minimum payments that barely cover the interest. However, youa ll need to stick to any time limits to get the best deal. Wea ll tell you everything you need to know on uSwitch.com. debt destroy

Introductory offers and moving your balance

You may be charged a fee for balance transfers, either a percentage of the borrowed amount or a capped figure. A capped amount could be right for you if youa re borrowing more a but youa ll also need to bear in mind how long the interest free period runs and whether you will be able to afford to pay it off in that time. debt negotiation

Your 0% or low rate on balance transfers will either be: debt elimination

  • Until a fixed date for all customers consolidation debt mortgage

  • Until a certain period after the sign up date (usually three, six or nine months) collection debt

  • For the life of the balance (i.e. until you pay off its value) card consolidate credit debt

What if you want to use your card too

You may want to look out for a deal with 0% or low typical rate on both purchases and balance transfers. This is because other cards will charge you higher than average rate for new purchases while you make payments to your interest free balance transfer, so this is something youa ll need to bear in mind. consolidation debt help

Charity affiliated credit cards

Another variety of introductory offer applies if you re looking for a charity affiliated credit card a also known as affinity credit cards. This involves the credit card company paying a fixed amount towards your chosen charity when you sign up, as an incentive to apply. consolidation credit debt

Find the best introductory offers on uSwitch.com

If you want a credit card with a good introductory offer, use the free and impartial Switch.com credit card comparison service. If you re looking for your first card, you should take note of any introductory offer on purchases; if you re looking for an additional card, you should also bear in mind any balance transfer deals available. Start your comparison to get your best introductory offers now. bill consolidation debt

Find a low interest rate credit card on uSwitch.com Compare low interest rate credit cards using our free and impartial service. Search all UK providers for credit cards with low interest rates and find the best deal low interest rate credit cards uk card apr annual percentage rate introductory purchases balance transfers online impartial comparison compare calculator save money switch switching

If you want a credit card with a low interest rate, uSwitch.com can help you find one from amongst the hundreds on the market. Our impartial credit card comparison service highlights the typical interest rates for each card, plus any interest free introductory period. consolidator debt

What is a low interest credit card

Interest rates vary for each card, which is a compelling reason to compare rates before you commit to one. In March 2005, the average interest rate was 16% for normal purchases, according to Datamonitor, an information company that provides industry analysis for financial services. card credit debt management

The UK s payments association Apacs has relaunched its website that aims to help consumers compare credit cards and offer advice on how to use them. debt loan

Personal debt increases in Guernsey 7/05/2006

Personal debt has risen by 150% on the British Channel island of Guernsey over the past year, according to a new report. bad debt

Water meters inevitable in London 7/05/2006

The installation of water meters in the homes of people in London is inevitable , according to the capital s mayor. consolidation debt quote

Blair backs nuclear power 7/05/2006

Prime minister Tony Blair has given his backing to the expended use of nuclear energy to meet the UK s energy requirements in the future. card credit debt elimination

Skype credit hits supermarket shelves 7/05/2006

The world s most popular internet telephony company Skype has announced that it is linking up with a UK supermarket. consolidation debt lead

London shoppers attracted by promotions 6/05/2006

Londoners headed to the shops in a mood to spend in April, as retail sales saw a significant increase, according to figures from the London Retail Consortium (LRC). consolidation debt non profit

E.ON looks at gas security issue 6/05/2006

The UK s largest energy company has announced that it is looking into developing more gas storage facilities to safeguard the country s energy supply. debt loan student

Drought order introduced in south-east 6/05/2006

The first drought order to be used in the UK for over a decade has been introduced in the south-east of England. credit debt services

Overdraft added to market leading current account 6/05/2006

Abbey has announced that it is adding an overdraft facility to its already market leading current and savings account offer. consolidation debt loan online

Over-50s offered free calls 6/05/2006

Saga has announced that it is offering a special home phone deal that will see it hand out free evening and weekend calls to customers for up to six months. consolidation debt home loan

UK spending trillion a year 5/05/2006

UK residents are now spending trillion each year, fuelled by a rise in the amount spent on items such as cars and holidays. debt national

20% of broadband users opt for Wi-Fi 5/05/2006

As many as one in five broadband subscribers in Europe and the US are now using wireless technology to share their connection between different computers and devices. company debt management

New Skype compatible home phone 5/05/2006

A US company is attempting to bridge the gap between home phone use and internet telephony by introducing a phone that can be used for both landline and internet calls. christian consolidation debt

British Gas costliest in Wales 5/05/2006

British Gas is the most expensive energy supplier for the vast majority of consumers in Wales, according to the country s industry watchdog. agency collection debt

Ex-conman questions chip and PIN 5/05/2006 Home

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Market news 2005: Week 3 Home working made easier by VoIP 7/06/2005

Voice over internet protocol (VoIP) technology is soaring in popularity among people wanting to work and use their phone from home. consolidation debt information

Broadband safety urged 7/06/2005

Caution has been urged for broadband users surfing the internet. agency consolidation debt

Holiday loans help cover costs 7/06/2005

The growing trend for Brits to take long weekends or mini-breaks appears to be matched by increasing prices in taking such holidays. consolidation debt solution

New credit card gives cashback 7/06/2005

Yorkshire Building Society (YBS) and the Co-operative Bank are preparing to launch a new credit card that will boost customers spending and saving power. california consolidation debt

Welsh wind farm in renewable energy drive 6/06/2005

The UK s biggest wind farm has opened in Wales with 39 turbines producing electricity for 42, 000 homes. card credit debt relief

Loans help repair damaged homes 6/06/2005

More people look set to take out home improvement loans with Brits forking out a massive 1.9 billion to pay for damage done to their homes by beauty-appliances, according to a new study. consolidation debt loan uk

Tiscali strengthens WH Smith broadband tie up 6/06/2005

Broadband provider Tiscali has announced that it is strengthening its relationship with WH Smith, with Tisclali products and services being sold in more than 700 of its stores around the country. collector debt

Brits credit cards made safer abroad 6/06/2005

Britons are experiencing a downturn in credit card crime when going abroad, according to a new report. consolidation debt equity home

BT Fusion could reduce phone bills 6/06/2005

BT has launched its Fusion service that allows users to automatically switch between mobile and cheaper fixed-line services, which should mean cheaper phone bills. consolidation debt government

Better credit rating means better loans 5/06/2005

Britons have been advised to check their credit files in order to be able to improve their credit rating and get better loans. consolidation debt firm

Digital and analogue card broadens TV access 5/06/2005

The world s first hybrid TV card has been unveiled, providing PC-users with television access, regardless of whether they have access to a digital signal or not. consolidation debt financing

BETTA energy bills 5/06/2005

The introduction of new energy market regulations in Scotland mean consumers could benefit from cheaper electricity and gas bills thanks to increased competion. consolidation consumer credit

Benefits of combining credit cards 5/06/2005

New research has revealed that millions of Brits could profit by consolidating all their credit card debts onto one card. debt free living

Avaya and Nokia unite to reduce phone bills 5/06/2005

Avaya and Nokia have teamed up to provide cheaper phone calls by utlising both cellular and wireless devices. debt management program

Consolidation primary reason for loans 4/06/2005

A new report has shown that loans to consolidate debt are the primary reason consumers have to borrow. consolidation debt free quote

Direct debit can make energy bills cheaper 4/06/2005

Energy retailers have urged customers to switch to Direct Debit after it was revealed the payment system can reduce people s energy bills. debt management credit

Price most important factor in broadband choice 4/06/2005

It has been revealed that price is the most important factor for consumers when they come to choose their broadband provider. card consolidation counseling

Phone VoIP and email come together 4/06/2005

A new communications product bringing together voice over internet protocol (VoIP) phone technology and popular email packages, has been introduced to Britain. consolidation debt lender

New anti-fraud credit card technology 4/06/2005

Credit card provider Visa USA has developed a new anti-fraud system that is being heralded as a major force in preventing check-out fraud in the future. calculator consolidation debt

Loans help pay for the sun 3/06/2005

According to new research, more and more Britons are finding the time and the money to escape to the sun every year. best consolidation debt loan

BT prepares to launch Bluephone 3/06/2005

British Telecom (BT) has announced plans to release its long awaited Bluephone, a converged mobile handset. consumer counseling debt

IF ditches credit card system 3/06/2005

UK online bank Intelligent Finance (IF) has ditched its credit card offsetting system because of the high costs of moving to chip and pin technology. consolidation counseling

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