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?
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Every three minutes someone in Ireland receives a diagnosis of cancer, according to the National Cancer Registry of Ireland, becoming one of the 40,000 new cases of cancer diagnosed each year. It’s a sobering thought, how frequently someone hears the news and finds their lives dramatically altered. And that is just one disease, others find themselves facing a whole new set of circumstances as a result of cardiac conditions, stroke or an accident.The possibility of being off work for a prolonged period is not something any of us like to contemplate, outside of pleasant daydreams about a Lotto win. But serious illness or accident can affect anyone, which is why financial adviser Carol Brick, Managing Director of HerMoney, is drawing attention to the importance of protecting your income.“Having a good overall protection plan in place if you are unable to work brings great peace of mind,” Ms Brick says. “Unfortunately, the bills don’t stop … [Read more...] about Making Cents: The financial cost of a cancer diagnosis
Nine in 10 Brits overspend on holiday every year because of confusion on exchange rates and hidden fees abroad. According to foreign exchange provider Travel Money Club, some travellers will spend more than double their budget, with one in four expecting to run out of cash by day three, because they've no idea what they’re spending in the local currency. However, it doesn't have to be so complicated. With the summer holidays almost upon us, families will be looking forward to jetting off to warmer climes - but where should you be buying your travel money? The pound has fallen in recent months against many currencies, including both the euro and the US dollar, mainly due to uncertainty around Brexit. In fact, the pound has lost more than 5% of its value against the euro since May. Some currency suppliers are offering their lowest exchange rates since August 2017, and many high street providers are offering their customers just above parity on the euro. This means holidaymakers … [Read more...] about Best place to buy travel money for summer
Lyle Daly The Motley Fool Published 7:00 AM EDT Jul 14, 2019 Your credit score doesn’t need to be stuck in neutral anymore. For the credit-conscious consumer, it’s annoying when your credit score just won’t seem to budge. You check it every month, and it’s the same as it was the last time you looked. With all the different factors that affect your credit, it’s normal for your credit score to have the occasional growing pains. After you’ve pinpointed what the problem is, you can correct it and have your score on the way up once again. If you’re wondering why your credit score hasn’t been increasing lately, here are the most likely causes. 1. You’re using too much of your available credit Of all the factors that determine how your credit score is calculated, the one that has the largest impact on a month-to-month basis is your credit utilization, which is the portion of your total available credit that you’re using. As a … [Read more...] about How to raise your credit score if it’s stuck
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