Choices available

Searching for the right credit card? There are certain choices to consider when deciding on a new credit card. Among these are interest rates and credit-card balance transfers. Do not sign up for the first one whose publicity you read; check your options with a1credit.co.uk .

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Credit-card users come under three main categories:

The token or emergency credit-card user

  He would save a credit card for small purchases, paying off the balance in full every month. He would probably choose a credit card affiliated with a favourite charity etc.

The intelligent high credit-card user

He would make many purchases on his card, but would still pay the full balance every month. Interest would not concern him, but he would reap the benefit from ‘cash back’ offers, directly linked to the amount of money paid out on the card.

The big-spending credit-card holder

He would spend a lot on his credit card and not clear in full each month. A low APR will be very important in keeping payments within reasonable limits. A long interest-free introductory period would be beneficial.

The facility to transfer your balance from another card is an important option. Credit-card companies now realise the value of offering clients good balance transfer deals. The a1credit.co.uk comparison service will help you to easily find the card with the longest 0% interest period and will find a card for you which will give you 0% interest for up to nine months.

If you are concerned about safety aspects of the service from your credit-card company, all of the credit-card companies on the a1credit.co.uk comparison service are reputable and well-established.