- How do SoSmart Money make their money?
- Which products can I compare with SoSmart Money?
- Who are SoSmart Money?
- Will I be contacted by other companies?
It is not too tricky to apply for a credit card. However, it is definitely worth being patient, making sure that the offer is right for your particular circumstances, and planning ahead if you are looking for a balance transfer.
Once you have chosen an offer that you like the look of, and applied for a card,the lender will decide whether or not to grant you creditbased upon the information that they have at their disposal from two main sources:
1. The information that you have supplied on your application.
2. The information held on you by the credit reference agencies.
The second point means that you can't get away with exaggerating or falsifying anything, as inaccurate information about other cards or outstanding loans will show up on your credit report and you will get caught out!
And even if you get away with it - it could lead you into debt problems that can quickly get out of hand.
Credit card applications can take a while to process. If you are trying to time a balance transfer from one card to another, for example when an introductory period for an interest-free card is about to expire, then you need to be particularly careful with your timing.
The credit card companies, in general, aim to process their applications and have everything sorted in 10 to 14 days but it is worth remembering that this involves the signing of forms, the separate arrival of your card and Personal Identification Number (PIN), and the activation of the card. There is plenty of scope for delay.
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 leader and product for your needs.
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"
"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."
"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."
"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."
Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform