For anyone juggling payments and bills from various essential service providers, from electricity and phone connections to rent or a mortgage, getting on top of their credit score may feel like a looming goal. However, with a few changes, you can begin to repair an unfavourable credit report.
There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies may check your credit history alongside the information you have provided as part of your application process.
The allure of an interest-free deal is understandably strong, but like any form of credit, it always comes with terms and conditions, so it's important to do your research.
One of the methods banks can use to increase the use of their financial products such as credit cards is association with a rewards scheme. Can you benefit without your debt stacking up?
While the idea of putting through payments each month might not seem like such a big deal, credit can become a burden should you begin to fall behind.
One of the most attractive options for travellers when taking money overseas is most likely to be the credit card. Here we look at how you can use your cards securely overseas.