Shopping disaster? Unwanted gift? Faulty items? This is January so it’s time to review and return Christmas disappointments. This year up to 40% of clothing and between 5% and 10% of electrical goods and homewares bought online are returned to stores. So be in no doubt, you have a right to change your mind  If you’ve made a… Read more »

As the January sales get into full swing millions of us will be hitting the shops in search of a bargain. But before you buy anything make sure you are armed with the right credit card. Using a credit card for your January sales purchases will not only give you extra consumer protection, it can… Read more »

More than 25 million people may have their credit card applications rejected as providers tighten their lending criteria. To get the best deals on the market now you need to have a squeaky clean credit record. Research by Aqua Card found that a third of people in full-time employment and 32% who earn more than… Read more »

The banks have been quietly upping the interest rates on their overdrafts and credit cards in recent months, but you don’t need to pay any more, in fact you shouldn’t be paying any interest at all. The average credit card purchase rate is 19.1% – the highest it has been since 2001 – and up… Read more »