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The first credit card in the UK was launched in 1966 by Barclaycard. Initially credit cards worked the same way as charge cards, with a monthly bill to be paid off and a comparatively tiny maximum credit limit of £100
Fierce competition between the multiple card issuers has seen the credit card evolve over the years into a piece of plastic which, if used responsibly, can make life more convenient for millions of people. A credit card account does this by allowing you to borrow money on a temporary basis, interest free, and hassle free.
With more than 1,500 different credit cards to chose from there is a card for pretty much everyone these days, from the super-rich to those with bad credit histories. The majority of people prefer to opt for the cards that require a full pay off every month, however, there are plenty of deals around that offer interest-free periods that exceed the usual one or two months if that is more suitable for you.
There are even some deals available which offer 0% credit for more than a year as well as the option to transfer balances from other cards so that all of your debt is interest free!
Essentially then, as long as you are sensible and use your credit card primarily as a convenience and not as a means for irresponsible borrowing, they are very handy little pieces of plastic, which incidentally - if you are interested in a bit of trivia - are sized at 85.60 mm x 53.98 mm, in accordance with the international standard.
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