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Choosing a card

Getting a card from your bank is the easiest option and it is tempting to just go for it, however, the most convenient option is not always the best option for your circumstances. There are so many different deals out there and you could really benefit from doing your research and signing up for a deal that suits your specific needs; credit cards are not all the same!

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For those who intend to pay off their bill, in full, every month, it is wise to go for a card with a long interest-free period and avoid lenders that charge interest from the date of the transaction, rather than the statement date. And if you are very responsible with your money you can also get reward cards that offer air miles or cashback to really work for you.

For those who do not usually settle their account in full at the end of each month, opt for a card with a low interest rate on purchases and if you are planning to make a big, one-off purchase it may be wise to look at cards with 0% introductory offers.

Good luck finding the right credit card to suit your needs!

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SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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