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What you need to know about balance transfer cards ...

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What you need to know about balance transfer cards

It is quite common now to move credit card debt to another card to help give yourself more time to pay it off at a cheaper rate.

A balance transfer is when you choose to move your credit card debt to another card with a lower or 0% interest rate.

How do they work?

With a 0% balance transfer credit card you can potentially give...

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First credit card - make the right choice when you get one

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The number and different type of options available when you look for your first credit card can be head-spinning - so if you're applying for one, it's important to make sure you get one that suits you and can help you build up your credit history.

Where do I start?

When you make an application for credit, the lender will use the data and information held on your credit report, as...

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Credit Cards For Bad Credit | Experian

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What are credit cards for bad credit?

These are credit cards that may be easier for you to get if your credit record is not as good as it could be. When you apply for credit, the lender normally gives you a credit score based on your credit information from a credit reference agency, your application form and any details they have if you're already a customer. They do this so as to...

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Balance Transfer Credit Cards | 0% Balance Transfer | Experian

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What can you expect of a 0% balance transfer card?

The big attraction of 0% balance transfer cards is in the name: if you are accepted at the advertised 0% rate and given a high enough credit limit, you can move your existing debt with another provider into this new card and benefit from a much lower rate of interest, or a set period of 0% interest promotional offer - some now last...

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Joint finances and your credit rating - Experian Experts

Ask James - Q&A

How could joint finances affect your credit rating?

Share a credit account? Then you share credit report information too.  Sharing finances can mean you're more linked than you think, as lenders will often look at both of your credit reports when assessing your credit. 

If and when you apply for credit together, lenders will be able to see your partner's financial information...

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Defaults and credit reports: top 5 questions - Experian ...

Defaults and credit reports: top 5 questions

By Neil Stone - Social Media Executive

A default can have a big impact on your credit report , and can be recorded for just a few pounds to several thousand. I find there is quite a lot of confusion around default so I've put together some answers to common questions.

What is a default?

A default occurs when an account has had consecutive missed...

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