Pick the right perks

Article Abstract:

Many credit card perks are not as good as they appear to be. These perks range from car discounts, cashback, free flights, gift catalogues, holiday discounts, cheap entry to leisure attractions, store discounts and preferential treatment on financial products. Alliance and Leicester offer good cashback offers whiled Sainsbury's air miles offer is better than other similar deals. Sainsbury also gives the best holiday discounts, entry to leisure attractions and in-store discounts. None of the gift catalogue offers was deemed to be very attractive.

American Express (Credit card), Alliance and Leicester MoneyBack (Credit card), Bank of Scotland (Credit card), Birmingham Midshires (Credit card), Bradford and Bingley (Credit card), First Direct (Credit card), Goldfish Card (Credit card), Midland (Credit card), NatWest (Credit card), Sainsbury's Bank (Credit card), Tesco (Credit card), TSB Bank (Credit card), Ulster Bank (Credit card)

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Credit cards compared

Article Abstract:

There are hundreds of credit cards to choose from and the cost of using one varies greatly. Credit cards from high street banks, such as Barclaycard, Midland and Natwest, proved to be expensive compared to newer cards such as Goldfish, GM Card and Co-operative Bank. Factors to consider when deciding on a card are whether the bills will be paid in full and on time or whether there will be an amount outstanding each month because there will be charges incurred.

Midland Mastercard (Credit card), NatWest Mastercard (Credit card), Goldfish (Credit card), MBNA Internatinal Bank Platinum Plus Visa (Credit card)

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Borrowing update

Article Abstract:

Consumers should choose a credit card or mortgage to suit their needs. People who pay off only part of their credit bill monthly should choose a card based on annual fees, the monthly interest rate and APR. Fixed-rate or discounted mortgages should be chosen by considering the incentives and penalties.

Mortgages

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