Banking & Finance

The marbles credit card is issued by NewDay Limited that is also the provider of aqua and opus credit cards. Marbles is a fundamental but strong credit-building card in the market for those who have limited or poor credit history. This helps you get your credit back on the path with free text alerts and a possible credit limit that increases every 4th month.

Marbles credit card can be perfect for young people, for self-employed, for students, and for those who have newly moved to the UK.

Interest rates are high, so you should try to pay the entire balance in time every month and should be under your credit limit to avoid large interest charges.

The representative APR is 34.9% (variable) and annual fees are zero, but you will have charged a fee of £12 in case of making a late payment or go over your limit. This credit card has up to £1,200 credit limit and you could receive an increase in every 4^th month.

The Marbles credit card gives limited rewards but you can be benefited by free SMS messages to stay on top of your account. A UK customer helpline and online account management are also available.

Credit limit £250 – £1,250

Purchase rate: 34.9%

The Representative Examples of Marbles Credit Card

1. Representative 34.9% APR variable and the standard interest rate on purchases is 34.95% p. a (variable), so when borrowing £300 the representative APR will be 34.9% (variable).
2. if you Spend £1,200 and the purchase rate is 29.75% p.a. (variable), then the representative APR will be 29.7% APR (variable).

Marbles card is good for

• Those new to credit or with poor credit in the UK
• Free text reminders
• Increasing credit limit every 4^th month
• Possible grace periods if you go beyond the credit limit

Marbles card is bad for

• Those who want a low-interest rate
• Those who carry a balance month to month
• Using overseas

Marbles Credit Card Benefits & Features

Free SMS/text alerts

Free SMS/text alerts are available to help you administer your account. These alerts help you remember your paying date and staying under your credit limit. This feature is important for those people who are trying to built or improve their credit rating.

Marbles Grace Period on Over Limits

The Marbles credit card offers a grace period if you are overreaching your credit limit. This grace period depends on the judgment of the collection team and your credit history. This grace period is not always guaranteed.

For example, if you have a bad history of exceeding the credit limit and not paying on time each month, etc, you will most likely not be able to access a grace period.

By given a grace period you have a chance to bring back your account within 48 hours, under the credit limit to avoid the over limit fee. This will also save you from negative marking on your credit record.

This systems best works on Monday/Tuesday/Wednesday than other days of the week as money can’t be transferred over the weekend.

Eligibility Checker

You can use The Marbles’ FastCheck eligibility checker‘ before you apply, to see your chances of being accepted. FastCheck do a soft credit check, which doesn’t affect your credit rating. Eligibility checkers help you keep away from an unsuccessful application.

Credit Limit Increase

Marbles credit limit starts low as £100 to £250. You should make efforts to boost up a low credit limit. If your credit limit goes above £1,000 you will see a positive result on your credit score.

It will not be harmful if you send a manual request to increase your credit limit every 4th month. It will not influence your credit score. Marbles will communicate your increasing limit to credit agencies.

This credit increase is not beneficial for all cardholders as research by FCA shows, it pays a negative effect on some customers’ credit history.

Marbles Credit Card Activation

Your credit card will be activated within minutes through our automates services by calling the card activation service on 0800 328 2523.

Remember to sign your Credit card with your signature immediately.

Marbles vs Vanquis Classic

The Vanquis is a well admired UK credit builder. Vanquis Credit Card reviews tell that it is popular among applicants who have no credit history, poor credit history, or are unemployed.

Vanquis Initial credit limits are between £150 and £1,000, which are too low and representative APR is 39.9%. Applicants can have pre-application eligibility checker to check their possibility of being accepted before applying.

Quick Takeout

The Vanquis is best for those who have the ability to pay off their whole balance in time each month to evade the interest charges because its Representative APR is high. If you have not good credit history and not eligible for Marbles credit card, it is better to try the pre-application check by the Vanquis Classic Credit Card.

Marbles vs Aqua Rewards

Aqua Credit Card is the best traveling card that gives you rewards even as improving your credit. On spending, you earn Cashback at a rate of 0.5%, and the credit card will not charge any foreign transaction fees.

Quick Takeout

The Aqua Rewards card is accompanied with two great bonuses for credit builders: it charges no FX fees and 0.5% cashback rate and rewards are also given; whereas, Marbles is a valid card for building a good credit record.

Bottom Line

Customers can utilize the Marbles card, like other credit-builder cards, to built and increase their credit history over time. You have to stay in the credit limit, always pay in time, and should do the efforts to increase the credit limit over £1,000.

Because the 34.9%APR interest rate that is higher-than-average, it is recommended trying to pay down your full balance every month so that you can avoid high-interest charges and developing an unrelenting debt crisis.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Halifax is one of the top banks in the UK and it is a division of Bank of Scotland, which is a subordinate of Lloyd’s Banking Group. Halifax offers a variety of credit cards that are designed according to individual needs. Whether you’re looking for a balance transfer or an interest-free contract on purchases, Halifax Clarity fulfills your needs.

These are provided under the MasterCard, so your card may be used in around million locations worldwide. It also offers student credit cards, long-term, low-rate credit cards, and cards for overseas use with a low-interest rate.

Interest rates vary across the range of Halifax Credit Cards, and the rate you will be offered will depend on your individual circumstances.

Entirely synchronized by the Financial Conduct Authority (FCA).

Clarity Credit Card arrives with straight benefits and is free from fees. With a low cash APR and no FX fees, it can be a rocking choice while traveling.

Halifax Card Overview

Are good for:

• Using overseas
• Paying no fees on FX transactions and cash withdrawals
• Paying a little cash APR
• Reducing interest charges on existing credit card debt
• Reducing interest charges on purchases
• Checking your chances of acceptance before applying

Are bad for:

• Those who want an interest grace period for cash withdrawals
• Individuals, who, for a balance transfer, are looking for a 0% promotional period.
• It is bad for those who need to move accessible balances from another Halifax credit card

The Halifax Clarity Credit Card is amongst the best travel credit cards for using overseas because it charges no FX fees and it is appropriate non-Sterling buys made abroad.

As it’s good to avert withdrawing cash because of the expense, charges relatively low-interest rates on cash withdrawals for any inevitable withdrawals. You should try to pay back any withdrawals right away because cash withdrawals start accruing interest charges at once.

Clarity Card charges the same rate for cash withdrawals as it does for purchases.

18.9% Representative

Purchase rate 18.95%

Example: The standard interest rate is 18.95% p.a. on purchases, so if you borrow £1,200,  the Representative APR will be 18.9% (variable).

Halifax Benefits & Features

Eligibility Criteria Applying for Halifax Credit Card

Before applying, keep it in mind that:

• You should be aged 18 or over
• You should be a UK resident
• You must be employed and have a regular income
• No bankruptcy, No CCJs or IVA

Fees

For a cash withdrawal in a foreign currency cash transaction fee and a non-Sterling transaction fee of 12£ will be applied

Halifax Compared to Aqua

For those who are trying to rebuild a strong credit rating to travel abroad and to get rewards, the Aqua Rewards Credit Card is the best choice.

For those who have strong credit, the Halifax Clarity card is a stronger competitor as a travel card because it doesn’t charge a fee on sports and ATM withdrawals and has noticeably lower interest rates.

Clarity VS Creation Everyday

The Creation Everyday Credit Card is one of the best no-fee travel cards, as it doesn’t have any FX fees on transactions and cash withdrawals made in foreign currency.

Even when you are away, with the majority of cards, you’ll get the chance to save money by receiving online to pay back any cash withdrawals as soon as possible. With the Creation Credit Card, most of travelers will save on overseas transactions

Halifax Credit Card Contact Number

If you want additional information about Halifax Clarity Credit Card, you can contact through this address:

 Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT.

If you are calling from outside the UK for customer service call us on +44 (0)01733 573 189 and for the UK use 

0345 944 4555.  For the replacement card or PIN use  Halifax Mobile Banking app.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

The Vanquis Credit Card is one of the many Credit Builder Credit Cards accessible in the UK. It is especially suitable for those who have a bad credit rating. This card allows you to buy goods and services within and out the United Kingdom.

In result, you are borrowing money within provided credit limit that you can spend up to and, if you do not pay balances in full by the due date every month, you will have to pay interest.

Vanquis credit cards are also helpful for cash withdrawals at many ATMs around the globe with a 3% withdrawal fee, but for using abroad 2.99% non-sterling transaction fee will be applied.

A monthly statement will be sent to you and you will be needed to pay set % of the balance monthly.

The APR of Vanquis Visa Credit Card is higher other credit cards in the UK market because the card is aimed towards those who may have a few flaws on their credit file.

Representative 39.9% APR (variable)

Vanquis Card also gives tips on web portal to help customers learning about managing and using cards as well as credit limit. It is really simple for customers to stay up-to-date with their balance, statements and payment dates through management tools on the website.

Customers can check the details by login, which will support them not to cross the limit and incur charges.

Vanquis Credit Card Features

In case of poor or no credit history at all, Vanquish may help you improve or build your credit rating with the credit reference agencies. A 56 days interest-free period is given on purchase transactions. This means that if you pay off the amount of transaction from using your card, you will not pay interest as long as you have paid off a least of two consecutive current statement balances in full on time

A Reasonable Starting Credit Limit

As a new client, you’ll begin with a simply manageable credit limit somewhere in the range of £150 and £1,000. After your fifth statement, you might be eligible for a credit limit increase that will further increase up to £4,000 every 5 months

Responsive UK Customer Service Call Center

Vanquish has responsible and consistent help whenever you need. Vanquish Customer Service agents are extremely upbeat to tune.

Supple Card Repayment Options

Life is volatile at sometimes and your circumstances can change at any time. That’s why Vanquish poor credit limit cards give flexibility to budget. So, you pay off what you can afford each month.

Eligibility Criteria Applying for Vanquis Credit Card

Applying for Vanquis credit card you must:

• Be aged at least 18
• Be a UK resident
• No bankruptcy
• Contactable by phone

How to Apply for a Vanquis Credit Card?

The application process is fast and simple. If you meet the above criteria and application requirements, you will be able to sign up for a credit card for bad credit by filling the online application form on the Vanquis bank website.

The Vanquis bank will do credit reference search and Bank will confirm both your identity and address. An immediate decision is frequently provided to know that whether you have been accepted or rejected.

How to Manage the Account with Vanquis Bank?

It is easy to register with eVanquis so that you can use the Internet banking service. This service will enable you to do things like making a balance inquiry, checking transactions by getting an online statement and paying funds into your credit card account to decrease or clear the amount.

SMS account management is also available.

Vanquis Credit Card Monthly Charges and Payments

There is no monthly and annual administration fee. There are other fees potentially payable.

Vanquis Card Fees

Maximum APR %

• The arrangement fee is £0
• Early repayment fee is £0
• Late payment fee is £0

Making Balance Transfers with Vanquis Card

It is possible to transfer the balance of the Vanquis Credit Card to the account of any other provider. This is only attractive if the other provider charged a lower interest rate as this would save your money. It is also possible to transfer money from your Vanquis Credit Card account to a bank account.

Using Vanquis Credit Card Abroad

Credit card can be used overseas everywhere the Visa sign is displayed to purchase goods in shops or for a meal in a restaurant or to pay for hiring a vehicle and insurance. It is also usable on worldwide partner ATMs.

How to Pay Bill?

There are a number of ways to pay bills by making payment into your credit card account. Like

• You can also complete a pre-printed giro which is attached to your statement. Pay them in over the counter at your bank or at the Post Office.
• A cheque can be used to send with a pre-printed giro in the post to Vanquis Bank.
• Register with eVanquis to access your account online and make payments by debit card. You can also set up a direct debit.

Penalties for Late Payment

You will be charged £12 as a late payment fee.

Interest Rate

The interest rate relies upon your credit history with the information that is on your application form and the credit reference agencies. You are supposed to pay a high-interest rate.

APR is also high for those that are supposed to be a greater risk. Cash withdrawals draw a higher rate of interest when you buy items using the credit card.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Quick Quid provides highly efficient instant & short-term payday loan services from the last 4 years without any fees and hidden charges. It provides cash advances to thousands of citizens throughout the year. QuickQuid is an authorized lender and regulated by the Financial Conduct Authority. QuickQuid is a trading title of CashEuroNetUK, LLC, which is merged in the United States with head office is in Chicago.

Company Information

• Quick Quid
• quickquid.co.uk
• 0808 234 4558
• FCA IP: 673738
• 483 Green Lanes, London, N13 4BS

Advantages of Quick Quid Payday Loan

• As it offers clear terms, you can estimate the fee of a new loan by using an online tool.
• QuickQuid always protects your sensitive information. Your personal data is transmitted through Secure Socket Layer encryption.

Why QuickQuid Offers Efficient Loans?

No doubt, instant same day loans serve as an immediate rescue when you don’t have any personal balance to invest, but keep in mind, these offers also have some rules and regulations put for security purposes, such as;

• When going to receive payday services, remember loans should not be used for existing debts
• Make sure you are capable of repaying
• Try to pay off instalments on time to avoid extra default charges
• Don’t go with Quick payday loans if you are searching for long-term financial solutions
• Don’t try to receive payday service from different banks at the same time because some lenders will carry out your credit check/history and some are no credit check instant loans lenders.

QuickQuid provides their users with smart, easy and effective customer services that customers may look back whenever they need.

Fees

• Arrangement fee is £0
• Late payment fee is £15
• Maximum APR is 1294.1%
• Early repayment fee is £0

Highlights

• Supple payment periods are available.
• You can apply for a top-up of the loan
• Extensions are offered
• Payouts are made by using the Faster Payment Service
• Applications can also be approved on weekends

If you borrow £300 for 65 days with one repayment of £378.00 and one repayment of £78.00, then the total repayment will be £456.00. £156.00 will be applied with 292% pa (fixed) and 1294.1% APR Representative.

Representative Example

Eligibility Requirements

If you want to get a Quick Quid loan, you should:

• Have a valid UK bank account
• Be employed and receiving a regular paycheque
• Be a resident of the UK
• Be at least 18 years old

How to Apply with QuickQuid

If you are a new customer, you can apply for payday loans by completing an online application within minutes. If you are a returning customer, you can apply from your line account easily.

The Information You Need to Request an Application

For submitting an online application to get a QuickQuid Payday service, you will be asked to provide the following information:

• Address Information
• Employment Information
• Financial and Monthly Expense Information
• Bank Account Information

QuickQuid Loans Repayment Options and Methods

There are 2 repay options on the application. After sign your contract, you will be asked to choose your repayment method. You can link an authorized direct debit from your bank account or a debit card for repayments. After that, the QuickQuid will collect repayments from your chosen repayment method on the dates that are listed on your loan contract.

Loan Decisions You Might Receive

After completing the above process, you might receive one of the following options:

Quick Quid Instant Payday Loan Repayment

After your application is approved, you will have to repay your loan over 1, 2 or 3 payment episodes

Period 1: In this 1^st period, your loan and accrued interest are payable on your repayment date.

Period 2: In the 2^nd period, your accrued interest is due on the date of your first repayment. In this period you’ll have to pay your loan amount and additional accrued interest.

Period 3 :In the 3^rd period, your accrued interest is due on the dates of your first two repayments. In this period you’ll have to pay your loan amount and additional accrued interest.

Other Borrowing Options

Top-Ups

If you have an active loan and principal reaming on approval limit, you can be eligible for a Top-Up on your loan. If you get Pop-Up, you will have to repay your actual loan amount, Top-Up, feed, and interest according to your chosen repayment schedule or in combination with an extension.

Extensions

You can request an extension by logging in to your account if you want extra time to repay your loan. If this request approved, you will be given two or more extra pay periods to repay your payments. You can apply for a maximum of two extensions on per loan, for a total loan duration of three periods.

Quick Quid Customer Services

Quick Quid treat their customers warmly and fairly and provide them with the following payday loans instantly; You can borrow £250 for only 30 days and you will have to make the repayment worth £310. And if there will some late repayments then maybe your repayment amount will increase. The interest rate per £250 will be 292.25% and this is not variable at all.

• To get an instant service you only need your personal information and the exact amount of loan which you want to receive.
• Quick Quid understand your needs, thus they made it easy to apply to anyone.
• The first step is whether you are eligible or not.
• Now you will choose an amount of loan and when you will repay. Your deal will be confirmed after contacting lenders. All of the above steps happen Online within the extra limited time.
• Once you are confirmed for a loan agreement, then you have an amount in your account between £50 – £3000. Most probably; within 15 minutes.

Late Repayments will Cause Complicated Problems

When you are going to take these fast payment loans, it is strongly advised that you have to determine whether you are capable of giving back or not. You can do it by calculating your monthly income and see what’s left after regular costs.

Unluckily, if you are not able to repay payments on time you chose in agreement, you can be charged with a high amount of default fees, which will be more then £15. Also, this implies a bad impact on your credit record. Thus, it is necessary to think before accepting a lenders application.

Read carefully all the terms and conditions. Remember, repayment instalment is always larger than the total loan amount because of interest charges added.

Quick Quid also offer bad credit instant loan. It never has some hidden costs or they will never charge any amount of additional charges in the future.

How much can you borrow from QuickQuid?

New customers can apply for up to £1000 and a returning QuickQuid customer can apply for up to £1500.

How can you use Quick Quid Instant Payday Loan

These loans are not meant for long-term solutions and can’t be taken for emergencies rather they should only be used as solutions for momentary money issues.

Bottom Line

Their additional features like: the online account management for the loan and the view of extensions make these loans worth researching, however, check other options too as there are cheaper lenders with better customer reviews and rating.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Creation Finance is a privately owned company by BNP Paribas Personal Finance Parent Company. The company offers simple products including Balance Transfer, Football Club, Travel, and Purchase Credit Cards. It also offers protection, insurance, PPI plans personal loans as well as retail, home improvement, and car loans.

Creation provides a few diverse credit cards, together with a no-fee. Its other credit cards offer a variety of 0% interest opportunity on balance transfers or purchases.

It is affiliated with a number of brands such as football clubs and hotel chains, so it offers different appealing deals to certain audiences. Creation financial also offers the cards used by other financial services brands i.e., Asda Money.

Creation website is easy to use. Their application criteria are according to the average market and they present a variety of representative APRs that are depending on the amount applied for.

Football club credit cards wrap a variety of teams, you can choose your favourite team, and they frequently allow you benefits i.e., access to tickets before they go on broad sale.

Also allows you to buy your season ticket on them which are interest-free for an introductory period. You have to clear your balance as soon as possible though; else you will have to pay high-interest charges.

Creation also offers travel cards, which gives you points that can be used for flights or car rental.

Creation credit cards are fully regulated by the Financial Conduct Authority (FCA).

Products and Services

• Credit cards
• Cheap Creation loans
• Home improvement loans
• Insurance plans

Criteria Applying for Creation Credit Card

• To have a good credit history
• No blemishes or slip-ups.
• You need to be over 23

Overall, with competitive rates for all categories of products and loans, customers with good credit history are preferred and they get the best deals.

Though, the customers with bad credit history don’t prefer Creation Finance a suitable choice due to their severe criteria for lending.

3 Main Creation Credit Cards

• Quick
• Simple
• Smart

Features & Benefits

• It gives personal and retail Loans from to £1,000 – £25,000
• The creation credit card application process is fast and easy
• Instant online decision
• Its terms are flexible and rates are cheaper

Creation Everyday Credit Card Reviews

Creation Everyday is one of the best travel credit cards. It has no FX or cash withdrawal fees and has lower interest rates.

Everyday Card Advantages

• They have No fees in using your Credit card abroad
• You have to pay lower-than-average interest rates
• They have No annual fee

The Creation Everyday credit card is one of the best travel credit cards to use abroad as it charges no fee for non-sterling buys and withdrawing cash from an ATM.

Everday Credit Card Disadvantages

Its interest rate on money withdrawals is lower-than-average at 12.9% APR. The Creation Everyday card charges interest on cash withdrawals at once so if you have withdrawn cash, you should pay off the balance as soon as possible. you can manage your account online through the creation credit card app.

Everyday VS Zero

Santander Zero Credit Card is a useful travel card since it doesn’t indict any fees on cash withdrawals and on non-sterling foreign dealings. Santander’s Retail Offers program is also valuable as it can save you between 5% and 25% at participating retailers.

One disadvantage to this credit card is that it has the higher-than-average interest rate on cash withdrawals among the group of travel cards.

If you are looking for a travel card to save you money on foreign transactions, the Creation Everyday card is recommended over the Santander Zero card.

The reason for this preference is the different interest rates on cash withdrawals. The Santander can also be beneficial if you use it in the UK, Zero can give some interesting value-creating opportunities by the Retailer Offers.

All Rounded Creation Co UK Reviews

Creation Finance offers All Rounded card that is one of the Creation Financial Services. It is a balance transfer credit card which offers 0% for 20 months on Balance Transfers.

It charges a 3% handling fee or £3, that is greater for balances transfer within 90 days of account opening and on card purchases, 0% fee is applied for up to 20 months since account opening.

All Round balance transfer credit card has no annual fee.

Eligibility Criteria for Applying for All Rounded Creation Co UK

• Be a job holder and earning a minimum income of £20,000
• Have a UK bank or building society account
• Be a permanent resident of the UK
• Be aged 18 or over
• Be able to provide a landline telephone number and a valid email address

Benefits

• You can apply for a free extra card so that you and your partner can take benefit of incredible rates
• You can handle your account firmly online with My Account.

Creation All Rounded Representative Example

Standard Purchases is 18.9% p.a. variable and Representative APR is  18.9% APR variable.

This is for descriptive purposes only and it is based on a credit limit of £1200. The amount of credit may vary.

Creation Cards Activation

• You need to get your card register or login to ‘My Account’.
• You can also make a call on  0371 376 9214 or 0371 376 9253 for Credit Card activation and follow the instructions. The call can be recorded and will be charged at the basic rate.

Creation Online Account Manager

The “OAM” will permit you to manage your account every time it suits you. You can have access to your account securely and make changes On your tablet, mobile, or at home.

The Online Account Manager permits you to:

• Make balance transfers
• Make payments
• Set up text or email alerts
• View earlier and newest statements
• Change personal information
• Change the credit limit

To register for OAM go to Creation.com and click “My Account” at the top right corner

and

Follow the instructions i.e., Your card number, passcode and date of birth and set up your online account.

Your online account gives you the facility to make payments from a collection of cards. Creation accepts the following cards:

ROI

• VISA debit card
• VISA credit card
• Mastercard credit card

UK

• Mastercard credit card
• VISA debit card
• VISA credit card
• Mastercard debit card
• Switch
• Solo
• VISA Electron
• Maestro

Creation Credit Card gives its customers the facility to change their due date through the online account manager. It also allows you to reduce your credit limit at any time.

Keep connected and in touch by Log into the Creation and get all the latest information on your account.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

It is feasible to take a loan from the bank with a minimum interest rate to resolve your financial needs. Ocean Card Reviewed critically to evaluate the worth as well as help the decisions.

If you are new to use a credit card, first you have to be aware of what are the advantages and disadvantages that can be faced while using. So be smart and use smartly, and then know the % of APR (variable) and get the report of eligible credit through quick check response in a few seconds.

Ocean Credit Card reviews which have an initial limit from £200 to £1,500

The Ocean credit card is issued by Ocean Finance a broker but Capital One is the exclusive lender. This product is meant to give online suppose to those

• Who are struggling to get accepted for a credit card
• Who are new to the UK
• Who has a low income
• Who are self-employed
• Who has a poor credit history

Ocean Credit Card

It also gives online support to people who want to take the loan from lenders and who want insurance for their vehicle, home, and life insurance.

• Initial limit of £200 to £1,500
• This amount depends on your economic situation and credit history.
• Ocean card’s representative APR is 39.9%
• It has no annual fee but if you cross your credit limit you will be charged £12

Representative Example

On purchases, the standard interest rate is 39.94% p.a (variable) with 39.9% APR Representative variable.

The card gives limited rewards but you can take advantage of free reminder text messages which assist customers to stay on top of the account. The ocean credit card also gives the QuickCheck service to check your eligibility for a credit card.

This Quick check service will not harm your credit score.

It Plays a role in increasing the credit score and can achieve the best deals by repaying the amount in time to secure your credit limit to improve your credit rating.

How does Ocean Credit Card Work?

• Login Ocean online to manage your account.
• It gives one straightforward interest fee to all types of exchanges you did.
• It simply oversees limits between £ 200 and £ 1,500.
• You can add up to 3 other cardholders and can also keep track  your card expenses
• You have a possibility to review your credit limit two times per year.

Representative

Assume borrowing of £1,200 for 1 year, at a p.a of 34.94% (variable), representative APR variable 34.9%.

Ocean Credit Card Rewards Details

People with bad credit if meet their repayments on time every month and stay below their credit limit can start to improving credit rating.

Ocean Card Applying Criteria

Ocean Credit Card Introductory Features

Standard Balance Transfers

Standard Purchases

Standard Cash Withdrawal

Payment Details

Ocean Credit Card Charges

Charges for Foreign Usage

Ocean Charges for Card Withdrawal

Ocean Credit Card Management

You can manage Ocean credit card payments by:

• Branch
• Online
• Telephone

Ocean Credit Card Extras

Ocean Mobile App

Through the mobile app, you can easily manage your account with your mobile phone anytime, anywhere. The app is available to customers with Digital Banking and the UK or international mobile number in specific countries.

Fast Response

You can get to know about your eligibility within 60 seconds.

Email and Text Alerts

By this feature, you receive email or text alerts that allow you to manage your payments on time and that alerts also permits you to know about your credit limit.

Ocean Joint Account

You can open ocean account as a joint bank account.  Two people can manage their finances through this facility. It may be best if you need to make shared payments, e.g. rent household bills, etc.

Pros and Cons

Pros

• Facilitates you with step by step instruction so that you can get to know the benefits of using this card and get more rewards.
• Before processing the application, they will examine all the details to know your eligibility and card limit so that you can get the maximum facility.
• Gives a better chance to improve or reconstruct your credit score.
• It is completely safe to apply for a credit card.
• it secures your data from interlopers.

Cons

• If you don’t pay your monthly payments in time or leave any step you may stick at some point.

Bottom Line

To summing up, by filling the address that you were living for recent years, work status and pay points of interest should be checked by the group of Ocean Credit Card Reference Agencies so that they know the offers that suit you. In the meantime, it will demonstrate the eligibility of your Ocean credit card value to make utilization of it.

Never harms your credit score; however, you have the opportunity to enhance your Credit score rating by utilizing the credit card accurately in your normal life for a better reason.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

WHAT IS NUBA? Numba is a new credit card brand, launched in 2016 and established by MBNA that is an award-winning UK credit card provider and was acquired by Lloyds Banking Group in 2017.

It focuses on technology, particularly the capability to link payments to and from the card to a smartphone or other linked devices.

MBNA issued credit cards are outstanding in the UK

Bank gives a wider approach to lending money. Whatever NUBA CREDIT CARD you choose, it offers a straightforward, flexible and competitively-priced credit card services. You will be offered to access a wide range of benefits as a Nuba customer.

Nuba offers good customer service with easy account management facility. It uses contactless technology which allows customers to pay easily for purchases in stores without entering credit card PIN.

The customers who use Apple Pay is suitable as it allows them to make credit card payments easily by using their Smartphone.

One of the amazing features is an easy Online Login account management. You can LOG IN NUBA  account anytime to check when your payments are due, to stay updated and to know how much you owe.

Nuba credit card also offers fraud protection by its fully active team who is always ready to take action in case of any suspicious transactions. You should be the age of 18 and over and must be a UK resident in order to apply for.

Applications for Nuba card are available online. You can check eligibility before applying for credit card. Under SECTION 75 THE CUSTOMER CREDIT ACT, if you pay for services and good by using a credit card, the card provider is legally responsible with the retailer in case something goes wrong.

This protection applies to those things that cost between £100 and £30,000.

So, if you ordered a sofa costing £400 and the shop you bought it from goes ruined before delivering, the credit card provider is liable to provide you with a full refund.

Benefits of a Nuba Credit Card?

Smartphone Linking

You can twin your smartphone with a credit card to make swift payments.

MBNA Credit Card Login

Through Nuba’s online card services, you can do change your PIN, get your current balance update, check your payment due date, and notify in case change of address.

Additional Cardholders

You can nominate up to 3 people to receive a card on your account. They all must be aged over 18, exist at your main address, and should be a ‘close family member’.

If you meet the above criteria but have a BAD CREDIT SCORE history, you might be rejected. Also, if you have declared bankruptcy and you have ever been the subject of a CCJ you will be rejected.

The Nuba range Comprises Two Cards

• One is intended to tap into the very competitive market for balance transfers from other credit cards
• And other is designed as an all-rounder

Nuba All Round Credit Card

The Nuba ALL Round credit card is a new entry of NUBA MBNA. It joins the range of balance transfer and purchase cards. Recent Nuba duration on both balance transfer and purchasing cards is up to 30 months. Money transfers are also included.

Nuba All Round Credit Card Features

• If you make a balance transfer within the first 60 days of opening the account 2.73% fees applies and 5% fees applies thereafter.
• If you transfer money within 60 days after account opening 4% fees applies and 5% fees apply thereafter.
• Eligibility checker
• up to 30-month 0% promotional period is for purchases, balance and money transfers
• APR (variable) 19.9% purchases
• APR (variable) 21.9% balance transfer
• 23.9% money transfer APR (variable)

Nuba Transfer Credit Card

Nuba transfer credit card is currently offering the longest balance transfer service in the market. The Nuba Transfer Credit Card is a new offer that is the longest 0% balance transfers category, with 36 months of 0% APR on primary balance transfers and 2.5% transfer fee.

Nuba Transfer Credit Card Benefits & Features

Eligibility Criteria Applying

It’s straightforward and fast to apply for a card online. To be eligible for a credit card, you must:

• Be 18 years or over
• Be a permanent address in the UK for at least three years
• Not be a student or unemployed
• Be a permanent UK resident
• Have an excellent credit history

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Do you have a Bad Credit History but Need a Loan? No doubt accessing cash is quite difficult at times but a payday loan aims to provide you with a convenient way to access money in need. With a bad credit payday loan history, it is more difficult to get.

Understand Bad Credit

Bad Credit term is often used to describe the financial situation of someone who has poor financial circumstances & management. People with poor credit ratings are probable to miss credit obligations such as utility bills, loans, or credit cards.

Understand Bad Credit Payday Loan

A bad credit payday loan is a short-term loan intended to help people overcome their sudden financial emergencies. The interest rate can vary from lender to lender. The FCA caps on fees and charges by HCSTC providers will be applied. These caps indicate that you must not pay more than £24 per month for every £100 borrowed.

A few loan companies offer no credit check loans, but not all do. It may not be sufficient to satisfy cash or loan lenders, that you will fulfill repayments within a given time. Anyhow, some banks in the UK offer fast payday loans with bad credit rates but they can charge a heavy amount of interest along with.

For example, if you want a loan of £1000, repayment will be £1100 and this is for a user with good credit history. On the other hand, if you want a payday loan with bad credit; then you will have to pay £1200 in return for £1000.

How to get Payday Loans with Bad Credit?

Some of the banks are also concerned with the capability to repay your credit history. So, for what you are waiting. Apply for a short-term loan from direct lenders, online or go to your nearby franchise.

Submit a quick application and after the confirmation of the application, you will get a quick payday loan amount within 24 hours during working days.

Considerations before Applying

Before you apply for a loan, consider some factors that will ensure you get the best-guaranteed payday loan in a few minutes.

• It is suggested that the loan has a purpose. You should not apply for a payday loan without any reason or just for getting funds. Constantly applying for payday loans without any reason can be harmful to your future credit score.
• Before applying, understand the terms and conditions of the loan and make sure it should be according to your budget. When selecting, select the instalment amounts and repayment time. Keep in mind the longer the time, the higher the interest will be.
• Before engaging in any financial business or lending agency, always make sure that they are FCA authorized. Check company’s credentials and registration on the FCA.
• Check out all the options and then choose smartly what fits best with your needs.

Payday Loans Pros

• You can pay back the loan when you receive the next salary
• Cover emergency expenses or bills between your pay cheques
• Repaying in full may help improve your credit rating
• Applications can be completed online quickly
• This maintains the cost of borrowing to a least.
• The application process is comparatively non-intrusive

Payday Loans Cons

• Short time-period to repay loan back which may worry some people. Always make sure you are able to repay what you borrow
• The utmost amount a person can borrow through a payday loan is about £1,000.
• Offered to consumers that might have applications rejected somewhere else. This makes a loan alluring in non-emergency situations. It may be wrong to treat them as a handy substitute for a usual long-term loan

Few Bad Credit Payday Loan lenders in the UK

How to Apply for a Payday Loan?

Eligibility for Payday Loan

Before applying for a Payday loan, you must:

1. A permanent UK resident
2.  Be 18 years of age
3. Have a satisfactory source of income
4. Be Willing to repay on time

Personal Information

Applying for a Payday loan, you have to provide the following things:

1. User ID and password
2. Contact Details
3. Bank account information
4. A valid proof of your income

If you want to borrow money for any reason and find yourself unable to approach typical finance options because of poor credit history, a bad credit payday loan might be useful. If you are can afford to pay back your payday loan repayments every month.

You may start to see your credit score increase. This may possibly mean access to improved loan offers in the future and access to more conventional credit products.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Avios is a Global Travel Reward Currency used by British Airways, Aer Lingus, Iberia, Flybe, kulula.com, Meridiana, and Vueling. Various programs allow you to collect Avios on flights, hotels, and car rental. It is a technique of collecting rewards points through your everyday spendings like shopping, grocery, and bills; and to turn them into travel rewards.

You can collect and spend Avios by British Airways Executive Club and with Avios Travel Reward Programme. To earn Avios points you will have to set up an Executive Club account and your daily earned rewards will be transferred into this account.

How to Collect Avios

• Booking room through Accor Kaligo, Agoda, Marriott, Small Luxury Hotels or with Rocketmiles
• Booking cash flights with kulula.com, British Airways and Iberia
• From the pump at BP
• Converting Pick n Pay Smart Shopper points
• Converting Standard Bank UCount points and Absa Rewards and Spending on the Avios Credit Card or by Car rental
• Data subscriptions with OpenWeb
• Selling a house through Lew Geffen Sotheby’s International Realty
• Buying wine online through Wine-of-the-Month Club

Based on the worth of available Travel points, you can plan your holidays or business flights.

For example,if you have 9000 Avios then you could make a flight to Amsterdam, Dublin or Brussels. And if you have 100,000 Avios you could move towards Sydney, Antigua, and Buenos.

How does the Avios Travel Reward Programme Work?

Travel reward programmes are one of the top travelling programmes because it provides you with the number of places where you can earn & Redeem reward points. The business class flight is one of the best collecting ways to splendour your next trip. Business-class & club sites are the best options. This is one of the points of departure of your Avios earning journey.

How to Spend Avios on Flights

Save Money on Flights

Avios can save your money on the rate of kulula.com flights if they’re converted to kulula Travelbank credit. Savings start from at least 1,000 Avios, converting to R60 discount.

Reward Flight Saver

Avios offers great value to those who have collected at least one Avios in the past 12 months. They will pay only R700pp for return British Airways flights and the requisite Avios to all regional and domestic destinations including Cape Town, Durban, Port Elizabeth Harare, Windhoek, Livingston, Victoria Falls and Mauritius.

Uses of Avios Rewards

With Avios you can:

• Make payment in full with Avios or with money and Avios, just paying airline charges and taxes.
• Pool Avios with a partner or family member by making a household account on avios.com.
• Combine across Avios Travel Rewards Programme, Iberia Plus accounts and British Airways Executive Club using the ‘Combine my Avios’ online tool.
• Organize trips with Avios, with one-way flights and the option to travel in and out of different airports, or you can use it for flight upgrades.
• Use Avios for cash savings on British Airways flights if you choose the part payment option.
• Avios don’t expire, as long as members use, collect, or purchase at least one Avios every 36 months.
• If members change their plan about a flight, they won’t drop their Avios because changes or can be made up to 24 hours before a flight for a fee.
• Members can book hotels and flights using Avios, can check their balance.

How to Become an Avios Travel Rewards Programme Member

It’s easy to become a member of an Avios Travel Rewards Programme. Go to www.avios.com or talk to an Avios Contact Center agent on 0860-0-28467. You can collect your membership card from any BP service station and can activate it by calling the Contact Center or going online.

How to earn Avios Travel Reward Points through Credit Cards?

There is the number of credit cards that let you earn maximum Avios points from the list of best Avios cards & select the preferred credit card with Avios points. The process to Apply online is as simple as 1,2,3. All you have to do is, fill an online application, apply and wait for your card to reach your home.

Chase Airways Visa Signature Card

With this card, you can earn Avios travel points directly if you spend approximately 3x Avios per dollars on flights and other services. Chase Airways visa signature card comes up with $95 annual fee but it is not a very big deal as compared to the bonus you will get after signup.

Chase Airways visa signature card offers a Travel together ticket after spending $30,000 each year on the card. This Ticket is said to be a Companion ticket. This card does not offer a lot of benefits but helps a lot to earn good Avios points for business flights. This is one the best ways to take into Avios travel reward programme.

Membership Reward Credit Cards

Not only chase Airways visa signature card but Membership reward credit cards also helps to boost your Avios points. Transfer from membership reward to Avios is not occurring ideally but occasionally the ratio improves up to 50%.

The only thing to do is to keep an eye on these opportunities to maximize your Avios travel rewards.

By using Avios membership reward card for billing purposes you can 20% extra Avios travel points. You can earn 2x Avios points while making purchases of $60,000 per year in a US supermarket.

Chase Ultimate Reward Credit Cards

Chase ultimate reward credit card boosts your Avios collection. Chase Ultimate reward credit card like other cards also offer to sign up bonus but you only capable to transfer this Avios points into business flights when you have one of the cards either Chase freedom unlimited or Chase sapphire preferred card.

Changes to the UK Avios Travel Rewards Programme

You have heard that the UK Avios Travel Rewards Programme is closing. All members of the Avios Travel Rewards Programme who don’t belong to any other qualifying airline loyalty programme are being invited into the British Airways Executive Club.

Those who are joining the UK Avios Travel Rewards Programme should keep it in mind that you that the Avios currency will remain. Still, you’ll be able to collect and spend Avios in many of the same old ways, whilst also getting exciting new benefits. Don’t feel uncertain as your Avios balance is safe and this will shortly be moving to your new Executive Club account.

For members of the current Executive Club who do not have an Avios Travel Rewards Programme account, everything will be the same and you will still be able to:

• Spend your Avios on hotels, flights, car hire and other Avios travel rewards
• Collect Avios on hotels, flights, car hire and shopping at the eStore of British Airways Avios
• Collect Tier Points when you fly by British Airways and its partner airlines
• Set up a Household Account to combine your Avios with up to six people in your household
• Be a part of the one world alliance and can get all its benefits
• Manage future bookings and your account at ba.com

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger

Despite making a payment by cash, a debit card is used to pay for any type of goods, one buys. The most used banking product has other names like plastic cards, ATM cards, Plastic Cash, and checks cards. At the time of any transaction, the money comes straight out of the person’s bank account which is not the case with using a credit card.

Most people favor it because of the different Advantages of Debit Cards. One does not have to carry cash and a checkbook everywhere when one has a debit card. Debit cards are easy to carry and are mostly accepted even when the person leaves his own country.

Using a debit card has its disadvantages too like different fees are imposed by banks on cardholders and it is less safe as it gives access to any holder to use it.

Difference Between Debit Card and Credit Card

There are pros and cons to using both credit cards and debit cards. A debit card seems much like a credit card but there is a difference between a credit card and a debit card. A credit card works differently. A credit cardholder borrows money from the bank or the account to pay the dealer. While using a debit card, money is directly transacted out of the user’s account.

There are bad things about a credit card also. A person can make a limited transaction set by the bank. But a benefit of the debit card is that it has no such limitation.

The credit card user is able to get loans on a swift basis. Certain banks in different countries offer security on transactions made by the cardholder. Often they come up with certain policies which are quite attractive to customers.

There are other limitations to using a credit card. Many users don’t put a check on debts and become bankrupt. Research has shown that credit card holders often consume unhygienic food and become spendthrifts.

The interest rate is increased after a year in the case of credit cards but it is not the case with debit cards. Merchants feel easy with debit cards instead of cash or credit cards. Also, debit cards do not put you under the weight of debt like credit cards do.

How Does a Debit Card Work Online?

If one is buying or shopping online, one can pay in the following manner. He or she has to select the option of payment with a credit card and then type the sixteen digit number which is mentioned on the front of the debit card. Also, the expiration date is in needs to be entered and a security code that helps to prove that one is illegible to use the card. The correct billing address is also asked for.

Tips for Using the Debit card

• One should keep it safe like other valuable possessions.
• It is better to keep a record of all the past receipts of transactions made by credit card.
• One should inform one’s bank in case one loses the card.

What do People Prefer?

There is no definite number or any proven research to know about the use of a debit card or credit card. But most people give preference to debit cards as they save you from debt.

Advantages of Debit Card

Easier to getting

Top on the list of Advantages of a Debit Card is that it is easier to get in comparison to a credit card. Bank can issue a credit card linked to one’s account without following any lengthy procedures.

Convenient Usages

It is quite convenient as it saves a person from the trouble of carrying a paper check to a bank. It is also helpful during shopping as one doesn’t have to carry cash all the time. Money can be transacted at the need of the hour. It also saves one from making a payment with a credit card at a later time.

Easily Acceptable

Another key feature of a debit card is that it is accepted most of the time when one is out of his hometown.

Time-saving

It doesn’t take much time to purchase through a debit card. And mostly dealers and merchants don’t inspect much in the case of debit cards.

Saves You from Debt

When one uses a debit card one doesn’t get in debt because one can use only that much money that one has in his account. It is unlike a credit card where taking a loan is essential for the person and he becomes indebted to the company along with taxes and interest.

Easy to use

It is easy to use a debit card anywhere at any place. Purchasing and shopping become much more convenient with a debit card.

No Interest Charges

There are no interest charges while purchasing through a debit card.

Useful for Withdrawing Cash

One can use one’s debit card to withdraw cash from an ATM, just by inserting the card and pin number (of a debit card).

Small Fees Imposed by Banks

Different fees are imposed by banks on credit cardholders. It may include monthly charges or transaction fees. The additional fee is costed on each transaction from any other bank. But in Debit cards, there are three most common fees and have flat rates

1. Annual Fee
2. International Transaction Fee
3. ATM Channel partner withdrawal fee

Online Banking

Like credit card online login, Banks offer you to check your bank account online which is associated with your debit card. It is simple, easy, and convenient to check your account statement, transfer funds, request a cheque book and many more.

Risk-Free

There is no risk in a debit card for the money you have in the account, Just keep your PIN secret.

Gives Limited Access to Money

The credit card offers unlimited money from the account but the debit card only offers a limited amount of money from the user’s account. So, it helps to manage your debt and keep within the budget.

Reward Programs

Many banks in the US, UK, and Asia offers reward programs with the use of a debit card for purchases and online use.

Lisa C. Townes

Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger