Every time you spend on your Visa, MasterCard or American Express credit card the issuer e.g. Barclaycard, MBNA, Virgin etc. earn a small percentage of the money you spend - known as interchange. To encourage you to take out and use their own cards credit card issuers will often give you the customer this in the form of cash back, points or air miles.

American Express credit cards pay the issuer three times more interchange than Visa or MasterCard and so these incentives are usually most generous on American Express cards.

If you always pay your bill in full you should consider an American Express credit card such as the American Express Platinum Money Back which pays 5% cash back in the first three months and 1.5% thereafter, the American Express Nectar card which adds points to your Nectar account or the American Express British Airways Card which allows you take free flights with British Airways.

If you don’t pay in full every month the cost of interest charges will quickly erode your gains from whatever credit card rewards program you are on however if you do, you can enjoy spending your rewards courtesy of American Express!

This interesting partnership sees Barclaycard and ComCab team up to fit a ‘concept cab’ with Visa ‘wave and pay’ technology in order to demonstrate how the taxi company could offer customers a secure and efficient way to pay for low value (less than £10) taxi fares.

These new developments from Barclaycard follow the announcement last year that Barclays would be combining chip-and-pin technology for credit card payments alongside that of the Oyster Card. This card, now fully rolled out, also allows customers to pay for low-cost items in shops without having to enter a pin number.

The innovations made by Visa’s ‘wave and pay’ system could change the lives of millions of people who would like to avoid the accumulation of loose change in their pockets. The system, currently being tested by Barclays and competing banks in a range of formats, requires customers to pass a credit card in front of an electronic reader in order to make small payments.

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When making a balance transfer there are three things to be aware of:

1. Never spend and BT on the same card - you will be charged interest on your spend which cannot be repaid until the 0% balance transfer sum is clear. This still applies if there is a (shorter) 0% purchases offer on the card.

2. Be aware of the ‘Handling fee’ which is a percentage of the total balance transferred levied by the issuer. This is added by credit card issuers to discourage ‘rate-tarts’. For larger transfers this can be a significant sum.
3. Pay or transfer your balance again by the end of the 0% period, otherwise you will pay interest at the standard rate - usually around 15% APR. This can easily reduce the money saved in the 0% period.

Follow these rules and you will be able to take a well earned break for paying interest by using balance transfer credit cards such as those on Credit Card Today.co.uk.

As such, it is may be wise to take out a credit card to establish a record at a credit bureaus such as Experian or Callcredit, businesses which hold a record of your credit agreements which allow lenders them to assess your credit worthiness.

Having said this, often the most attractive promotional rates on balance transfers and 0% purchases are unavailable to young people for this very reason. You should therefore consider cards suited to the ‘thin file’ (low or no credit history) customers such as a student credit card.

Once you have a credit card it is wise to spend a little each month over the course of a year and repay in full every month. This lets the credit bureaus you are a responsible individual capable or repaying your debts.

Once you have done this, you should not only qualify for the most attractive credit cards but also lower rates on, loans, car finance and even mortgages, leading to substantial interest savings later in life.

Essentially credit card providers insist that borrowers always repay the least expensive debt first, known as the ‘repayment hierarchy’. What this means is that if you take up a 0% balance transfer deal for 12 months and then spend on the same card in that time, your purchases will be charged at the standard rate (usually around 16%) while any repayments you make will only discharge your 0% debt.

By the time you have repaid your balance transfer you could have potentially incurred some significant interest charges.

So how do you avoid this pitfall? Simply take out a card specifically for the balance transfer deal, and then don’t touch it again! The golden rule is – use one credit card for balance transfers and a separate card for spending.

If you want a credit card to spend with, get a card with a low APR if you don’t always clear your balance, or a card with a cashback or rewards if you do. Problem solved!

Oyster

Sold as ‘OnePulse’, the card is being marketed heavily at Londonders due to the inclusion of a pre-pay Oyster card which can be used on the London Underground and bus network. Barclays have secured the exclusive rights for three years, to put Oyster cards on its Barclaycard credit cards and Barclays Connect debit cards.

Cashless

The other novel feature of the card is the ability to make purchases for less than £10 with out entering a PIN, simply waving it past a reader in a similar fashion to normal Oyster cards. To discourage fraud one in five such transactions will still require entering a PIN number in the normal fashion as will any purchase over £10. Currently participating merchants include off-licence chain Threshers and donut vendors Krispy Kreme. According to Barclaycard you can use ‘OneTouch’ wherever you see the wave symbol or ‘Visa payWave’ sign.

Credit

Finally as one would expect from Barclaycard the OnePulse card is also a credit card with a fairly competitive APR of 14.9% Typical and 6 months 0% interest on purchases from account opening. More information can be found at Barclaycard.