LiveLend has now introduced a new type of loan where borrowers with a less than sparkling credit record start on a higher rate of interest, but benefit from the rate dropping if they clean up their score.

American Express cardholders can earn £5 cashback when they spend £10 or more at independent stores, restaurants and retailers until December 16.

Virgin Money is currently running a bumper sign-up offer on its Virgin Atlantic Rewards+ credit card - enough points to get a free return flight to New York. but it ends at 4pm - should you sign up now?

Interest-free deals are disappearing fast for credit card customers seeking breathing space to pay off debt. The ‘balance transfer’ trick is a popular way of paying off money borrowed.

The rate means someone borrowing £7,500 over 36 months will repay £217.32 a month and end up paying a total of £7,823.52.

Excluding mortgages, personal debts hit a record total of £428billion in the third quarter of 2018 - which is 33 per cent higher than in 2008 just before the financial crisis.

The Swedish start-up claims to offer flexibility and a solution to sizing issues for those shopping online. But does the ability to 'buy now pay later' encourage users to spend what they can't afford?

Curve unveiled on Monday a move that would allow Amex customers to use their card in places that do not usually accept it , by adding their cards to its smartphone app.

This is Money has put together the reward points cards with the steepest APRs, and how the card companies are making money off you even if you're clearing your balance each month.

Laybuy made a big impact in its native New Zealand, claiming it signed up 200,000 people and partnered with 2,750 stores in just 18 months.

More than 6,000 people have joined the waiting list for a mobile only credit card that promises to approve customers in less than three minutes.

New Zealand pay later platform Laybuy has marked its official UK launch by announcing a partnership with well-known high street brand Footasylum.

UK credit cardholders paid the price for withdrawing money using their credit cards last year, being stung with £219million in fees and charges.

At the launch event in Cupertino, California, the iPhone maker debuted a white titanium card with no number, security code, expiry date or name, only the Apple logo. Could it launch in Britain too?

Two years ago, top balance transfer credit cards offered customers 43 months to clear their debt without paying interest. The longest deal today lasts just 29 months.

Those thinking of putting money on the 5.15 at Aintree on Saturday could be making a mistake far costlier than backing the wrong horse - using a credit card to bet.

Tourists are routinely offered a chance to pay in their 'home' currency at restaurants, shops or hotels abroad in a process called 'dynamic currency conversion'.

Regulators at the Financial Conduct Authority are taking aim at the industry, which allows hard-up consumers to borrow money provided a friend or family member agrees to pay it back if they default.

It is Bristol where the highest proportion of card payments are swiped, with 73 per cent of 11.5million card transactions in the West Country city using contactless.

The European Commission says that interchange fees, where the merchant's bank pays a charge to the cardholder's bank, result in higher prices for consumers.

Amazon and American Express have slashed the sign-up bonuses and spending incentives on some of their cards.

If you believe you had loans or credit agreements such as an account with a catalogue company or a long-forgotten credit card – you could be eligible to make a claim for mis-sold PPI.

If used smartly, credit cards can still be an effective spending tool and even earn you money. Shoppers now have around 166 different deals to choose from.

HSBC's Reward Credit Card is available to Advance current account holders, and pays you reward points on all your purchases. We see how it stacks up against the best of its rivals.

A personal loan provider is offering customers the chance to lower their APR, if they improve their credit rating while holding the product.

If the future of the UK increasingly looks cashless, then no one may be better placed to reap the rewards than MasterCard

Britons' credit scores have improved on average across the country, but no region can boast more than just a 'fair' rating, a new report has revealed.

While bumping your credit card spending when saving for a house might not seem like the brightest idea, you could be doing your chances of getting a mortgage more harm than good by avoiding plastic.

Those who have pawned off items and want to get them back may feel anxious following the news, but according to the company's website you can still do so.

Customers looking to make big purchases with a NatWest credit card will be able to pay a set monthly fee rather than their card's APR, under a new mobile-only offer announced by the bank.

Households have just one month left to make a PPI claim with their bank or credit provider. And with the clock ticking, PPI sharks have ramped up their campaign to get a chunk of your money.

Periods of free borrowing on best-buy balance transfer cards have shortened by nearly 20 per cent in a year, according to figures compiled by data company Moneyfacts.

Many credit cards offer reward points that can be exchanged for air miles. If you can pay off the balance every month, these cards are a good place to start racking up air miles.

Average card rates have surged since the financial crisis, climbing from 16 per cent in 2006. But at the same time, typical savings rates dropped sharply to all-time lows and barely recovered since.

Data from Moneyfacts found that in September the average credit card purchase APR rose to 24.7 per cent, an all-time high since its records began in June 2006.

For five days after it went into administration the company did not mention the matter on its website. Glint says its app still works as normal and users could still deposit money into it.

New research reveals that nearly half of all UK credit card holders -around 17million people nationwide - have never switched their card.

Britain's biggest payday loan collapse since Wonga could be on the cards as QuickQuid is on the verge of going into administration, according to reports.

M&S.com has partnered with Clearpay on the new service with the payment option due to be available to all UK M&S.com customers from mid-November.

Shoppers now pay an average of 25.1 per cent on credit card purchase. It means that a customer who borrowed £3,000 and paid off £100 a month would pay £1,463 in interest overall.

Love it or loathe it, Black Friday weekend is looming. This is when retailers are expected to shower shoppers with juicy discounts for a few days only.

Smartphone bank Tandem is axing its cashback credit card for new customers, and from January those who want to use its successor will have to pay a membership fee.

The popularity of the likes of Klarna and other firms which let you spread the cost of purchases over instalments means credit card providers are increasingly adopting that model instead.

Britons looking to borrow to fund a new car, home improvements or a big life event like a wedding will now find taking out a substantial sum is the cheapest it's ever been.

Asking for too many balance transfer cards can damage your credit rating. Experian has launched a service that lets people enter their details online, including how much debt they want to transfer.

Frequent flyers who fancy adding to their Avios balance have been handed an enticing Christmas bonus by HSBC, though the chances are they don't know it.

Yesterday the Mail reported that nine million people will start the New Year owing between £2,000 and £10,000. A further five million owe more than £10,000.

There were 122 balance transfer offers in January 2017 compared to 76 today, according to figures from Moneyfacts - while the timeframe to pay back the debt has also shrunk.

Britain's debt binge has deepened - with figures last month showing credit card borrowing had surged by 40 per cent and the average family now owes £12,800 on credit cards, loans and car finance.

Frequent fliers after air miles towards their next holiday could take advantage of a new sign up bonus which could get them to three continents, provided they're happy to pay a fee.