The right card can make someone's Christmas a lot more affordable. That's because, if you time it right, there's an entire class of credit card that lets you buy now, then spread the cost over more than two years without charging you a penny for the privilege. But with just six weeks left until Christmas - and Black Friday sales set to start even sooner - GoCompare Money is urging shoppers to get their applications in now. And that means it's peak week for credit card applications, the comparison site found. GoCompare Money’s Matt Sanders said: “Once you’ve been approved for a new credit card, it typically takes around 10 working days for it to arrive through the post, longer during busy times. "So, to maximum the benefit of an interest-free card for Christmas shopping, people need to apply for a card sooner rather than later." Interest-free purchase cards mean you can spread the cost of spending over as long as 30 months. But that doesn't mean they're … [Read more...] about Christmas cards you need to sort out this week
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0 Have your say Credit cards have been available for over half a century and can be incredibly useful when making more than the normal transactions, such as at holiday time and Christmas, as well as bringing major consumer rights. -> Conal Gregory: Don’t wait until the airport to splash out on your holiday cashTheir strength this time of year is the facility credit cards give in paying for goods and services in foreign currencies. If well chosen, no transaction fees arise from your provider.The first credit card launched in the UK was Barclaycard in 1966. It initially made little progress and had no rival until 1972. Today 65 per cent of adults hold a credit card. Last year 3.2bn payments were made, a four per cent rise on 2017. The industry forecasts the number of transactions will jump to 4.1bn by 2028.Plastic money – charge, credit and debit cards - has become so popular that the number of cash payments has fallen by 10 per cent a year over … [Read more...] about Conal Gregory: Which is the best credit card for you?
Shell Energy, previously known as First Utility, has been ordered to refund and compensate 12,000 customer accounts after it overcharged them by more than £100,000 in total. Energy regulator Ofgem said these Shell Energy customers on default tariffs were charged above the price cap introduced at the start of this year, and ordered the supplier to pay £390,000. Shell Energy, which supplies more than 700,000 UK households, will refund £100,736 to across 12,000 accounts affected – or an average of about £8 per account. Compensation: Shell Energy was forced to pay £390,000 after overcharging some customers On top of that, it will compensate around 6,200 customer accounts that paid above the cap level for their energy bills a total of £62,000 – or £10 per account. The remaining 5,600 customer accounts which experienced a delay in their energy bills being reduced under the price cap will receive a compensation of £5 each – … [Read more...] about 12,000 Shell Energy customers in line for compensation
Caroline Lupini Reviewed Published 11:39 AM EDT Jun 7, 2019 — Our editors review and recommend products to help you buy the stuff you need. If you sign up for a credit card after clicking one of our links, we may earn a small share of the revenue. However, our picks and opinions are independent from USA TODAY’s newsroom and any business incentives. Summer is a great time to travel. With the kids out of school and the weather finally warmer, it’s the perfect time to take a break. No matter where you want to go, or how you want to get there, using the right credit card can help make your trip smoother and, in certain cases, help it cost less. Credit card rewards and points can be used to offset the cost of your travel and hotel stays, or can even be redeemed for cash back to help you afford a few extra souvenirs. If you are planning to travel this summer, here are six cards that will help you make the most out of your trip. The Best Travel Credit Cards of … [Read more...] about The best travel credit cards of 2019
There’s no denying that while mobile handsets are becoming ever more advanced, the price we pay for them is rocketing. The first iPhone handset set buyers back less than £300, but if you want to buy the latest handset today you’re looking at shelling out more than a grand. In fact, even ‘budget’ handsets are still going to cost you hundreds of pounds in today's market. So what can you do to keep the costs as low as possible? Well, we've done a little digging for you to reveal all the ways to save on your new handset below. Buy the handset outright The cheapest way to get your mitts on that new handset is to purchase it outright. While most networks will allow you to bundle the phone in with a new contract, and pay it off in stages, this will end up costing you a fair bit more in the long run. So while it may hurt to cough up the cash in one go, it will save you money overall. Shop around It doesn’t matter what you’re buying, whether it’s … [Read more...] about How to pay less for a new mobile phone