These are the leading credit reference agencies. By visiting these sites you can learn what type of information is held about you and you can also obtain your own credit report. This is very worthwhile to ensure that information being held about you is accurate. You can also learn more about credit scoring and the the information used. It can cost just a few pounds for a complete credit report.

CARDWATCH.CO.UK

Cardwatch is the website dedicated to anti credit card fraud. With tips and information for both retailers and consumers with all the latest news.

RESOURCE DIRECTORY

ONLINE UK CREDIT CARDS

PICK A CARD, ANY CARD!

Selected credit cards

All credit cards on this website are issued in the UK, have full online services, management and application. You will also need to be resident in the United Kingdom to apply online.
POINTS TO CONSIDER:
Balance transfers may be as low as 0% rate but most likely for a limited period only. Amounts repaid to reduce your outstanding balance will often be used to reduce your balance transfer before being applied to purchases. This means if the long term purchase rate is high and you make a lot of purchases then you will have received no or little benefit from the headline introductory offer.
If you will only pay a small amount off each month you will gain most from low long term interest rates. However if you pay your monthly balance in full you will receive more benefit from things like cash back and other point type benefits. If your eye is caught by 0% Balance offers check if that applies to purchases as well. Its also important to understand APR and how to compare real long term standard rates for true low APR.
Are you looking to use your card for your business? Take a look at our Business Credit Cards.
If you're looking for 0% on balance transfers for 9 months go straight to our list here.

Since January 1st 2005 anyone with a chip and PIN credit card is required to enter their code into a chip and PIN terminal when paying for goods at a counter. If your credit card is not chip and PIN enabled you will still be able to use it and just enter your signature. However if it is chip and PIN enabled you will no longer have that choice.

DID YOU KNOW?
The UK’s first charge card was launched by Finders Services in 1951 while the first true credit card issued in the UK was brought to the marketplace by Barclays Bank on June 29 1966.

last news story added:
38 years and 6 months after the first cards were issued in the UK spending with credit and debit cards has now exceeded the amount of cash transactions. Figures for this past year, 2004, show £269 billion was transacted with debit and credit cards compared to £268 billion of cash transactions. There are some 42 million credit cards and 85 million debit cards currently in circulation in the UK.

more credit card news>>>

OUR TOP SELLERS: UK CREDIT CARDS LISTED IN ORDER OF POPULARITY ON THIS WEBSITE:

click to view>>> CITI: CREDIT CARD information JOINT MOST POPULAR CREDIT CARDS ON THIS SITE:

Established in 1812 the CITI group is the largest financial services company in the world today. Operating in more than 100 countries with over 200 million clients and with a workforce exceeding 300,000. CITI have two cards on offer, the Platinum and the Classic Plus. The Platinum card has additional benefits.

LONG TERM RATE: Typical 14.9%APR - 18.9%APR VARIABLE depending on card chosen
BALANCE TRANSFERS: 0% 1st 6 months
APPLY ONLINE APPLICATION: YES √

VISA

click to view>>> CAPITAL ONE CREDIT CARD information JOINT MOST POPULAR CREDIT CARDS ON THIS SITE:

Capital One offer two cards, a Platinum and a Classic version. If you would like to apply for the Capital One Platinum then you must be aged 21 or over, receiving an income of £10,000 or more per annum and be resident in the UK. The Classic is aimed at those wit a poor credit history or those looking to start to build a credit record. A themed version of each of the platinum and classic configurations are also available.

Purchases:0% 1st 6 months*
Balance transfers:5.9% p.a. for life of transfer*
*dependent on card chosen
APPLY ONLINE APPLICATION: YES √

MASTERCARD

click to view>>> MARBLES CREDIT CARD information

Marbles are one of the more well known and established credit cards in the UK today. Designed for use online you can view your account at any time simply by securely logging on with your password 24 hours a day. This will enable you to make your monthly payment, Shift balances over from your other cards, Communicate with marbles customer services and more besides. Marbles has its own range of shopping partners from who you will be able to obtain exclusive offers for Marbles credit card holders.

LONG TERM RATE: Typical 11.9%APR VARIABLE
BALANCE TRANSFERS: 0% 1ST 6 MONTHS
APPLY ONLINE APPLICATION: YES √

MASTERCARD

click to view>>> VIRGIN CREDIT CARD information

The Virgin Credit Card is issued by MBNA Europe Bank Limited. Virgin must be one of the best known brands in the UK today. Now Virgin have branched into the credit card market. With an innovative product Virgin have come up with a very competitive credit card. A version of the create-a-card type that is very popular at the moment. There are several ways to configure a setup depending on how you use your card and if you want to take advantage of their Virgin reward points. By choosing a rewards version you get access to their exclusive members shop.

LONG TERM RATE: from Typical 10.9%APR - 15.9%APR Variable
BALANCE TRANSFERS: 0% 1st 9 months (depending on configuration)
EXTRAS: VIRGIN REWARD POINTS
APPLY ONLINE APPLICATION: YES √

MASTERCARD

click to view>>> MORGAN STANLEY CREDIT CARD information

Morgan Stanley is a world wide financial company, employing over 57,000 people in 28 countries. Morgan Stanley credit Cards are issued by Morgan Stanley Bank International Limited, registered in England and Wales. Since 1997, Morgan Stanley has combined the complementary skills and resources of two powerful organizations: Morgan Stanley, established in New York in 1935, and Dean Witter, established in 1924 in San Francisco. Morgan Stanley Group inc. became publicly listed in 1986.

LONG TERM RATE: Typical 15.9%APR - 17.9%APR Variable LONG TERM RATE
BALANCE TRANSFERS: 0% 1st 6 months
PURCHASES: 0% 1st 6 months
EXTRAS: CASH BACK WITH PLATINUM, travel reward points with buy and fly card
APPLY ONLINE APPLICATION: YES √

MASTERCARD

click to view>>> GOLDFISH CREDIT CARD information

The Goldfish credit card was first launched in 1996 and today have over 1 million card holders. One of the cards main benefits is the Goldfish points you can earn when selecting this option. You can redeem the points you've earned towards vouchers for shopping at a variety of stores including John Lewis, Marks and Spencer, Boots, Dixons, Debenhams, Homebase and WH Smith.

LONG TERM RATE: FROM Typical 14.9%-17.9APR Variable (depending on card chosen)
BALANCE TRANSFERS: FROM 0% FOR FIRST 6 MONTHS Made within 6 weeks after account opening. Payments applied towards Balance Transfers first.
EXTRAS: GOLDFISH REWARD POINTS
APPLY ONLINE APPLICATION: YES √

VISA &
MASTERCARD

click to view>>> EGG CREDIT CARD information

EGG.COM was launched in 1998 as a specialist online financial company. As a bank they have over 2 million online customers and employ a workforce of over 2000. 79% owned by Prudential PLC, Egg have now also launched in France. Egg now offer 0% For up to 9 months for balance transfers. Another new feature is the ability to see balances for all your bank accounts and credit cards with other brands from one interface with the Egg Money Manager.

LONG TERM RATE: Typical 14.9%APR VARIABLE
BALANCE TRANSFERS:0% until 1st September 2005
PURCHASES: 0% until 1st July 2005
EXTRAS: up to 1-% AT SELECTED ONLINE STORES, ANNIVERSARY OFFER TILL 2006
APPLY ONLINE APPLICATION: YES √

VISA

click to view>>> LLOYDS TSB CREDIT CARD information

VISA

click to view>>> MBNA CREDIT CARD information

Lloyds Bank started in 1765, as a private banking business and In 1995 Lloyds Bank Group merged with TSB Group to form Lloyds TSB Group plc. Lloyds TSB issue many of the major brands on the market today, this credit card actually carries their own name. Lloyds TSB was voted the UK's most trusted bank by Readers Digest in 2004.

LONG TERM RATE: Typical 13.9%APR VARIABLE
BALANCE TRANSFERS:0% 1st 6 MONTHS
APPLY ONLINE APPLICATION: YES √

VISA

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