http://www.articleheaven.com en-us editorial@articleheaven.com With Christmas just around the corner many people have already started purchasing their Christmas gifts and items, and despite the global credit crunch and the difficult financial climate many people have indicated that they will still be spending around ... http://www.articleheaven.com/article_697647_19.html 30th November 2008 Most of us know what it is like to have credit card debts hanging over our necks, but thankfully many of us are also able to get the debt repaid sensibly without getting into too many problems with the lender. However, when it comes to finances times are ... http://www.articleheaven.com/article_697644_19.html 30th November 2008 There is little doubt that over the past year interest rates on borrowing in the UK have rocketed, and many people have been forced to pay a fortune in interest on their borrowing. However, it seems that whilst lenders are always quick to bump up inte... http://www.articleheaven.com/article_687497_19.html 17th November 2008 Most of us have heard enough of the doom and gloom that has been going on in the financial markets of late, but some of us may have been on the receiving end of the financial problems, having received rejections for finance deals such as loans and credit ... http://www.articleheaven.com/article_680154_19.html 31st October 2008 It seems that no sooner have you finished paying off the bills and costs for last Christmas, suddenly this Christmas seems to be looming up around the corner. The time of year is upon us once again when we have to start thinking about how to fund the cost... http://www.articleheaven.com/article_680153_19.html 31st October 2008 Recently the Prime Minister, Gordon Brown, and the Chancellor, Alistair Darling, announced that the base rate in the UK was being cut by 0.5% in a surprise move a full day ahead of the scheduled Monetary Policy Committee meeting, which is where the intere... http://www.articleheaven.com/article_669353_19.html 20th October 2008 Many people in the UK have more than one credit card, and in some cases people decide to use one of their credit cards for regular use and another for emergencies only. However, it is important to remember that having a credit card account that lies m... http://www.articleheaven.com/article_659345_19.html 07th October 2008 With October already upon us many people may already be starting the dread the annual Christmas spend, with everything from expensive food and drinks to clothes, gadgets, and gifts to be purchased. For many, especially in the current financial climate... http://www.articleheaven.com/article_659342_19.html 07th October 2008 Whilst some people, such as those with bad credit, may always have experienced problems when it comes to getting a credit card, over recent months a greater number of people may have found themselves being turned down for credit cards due to the current f... http://www.articleheaven.com/article_652406_19.html 29th September 2008 Switching credit cards to suit your needs and more importantly ease the strain on your pocket has become increasingly common over recent years, and in fact has become so popular it has created a new breed of credit cardholder known as the rate tart. M... http://www.articleheaven.com/article_652403_19.html 29th September 2008 There is no doubt that the global credit crunch that has seized the UK over the past year has had a profound effect on the financial markets, and getting any sort of finance has become increasingly difficult even for those with pretty decent credit in som... http://www.articleheaven.com/article_645514_19.html 23rd September 2008 More and more of us these days make a range of purchases online, and whilst some of these purchases may seem small and insignificant, others can be far more costly, such as tickets to events, flights, and more. Being able to make purchases online offe... http://www.articleheaven.com/article_645513_19.html 23rd September 2008 Credit card fraud has become a major problem over recent years, and every year many people fall victim to this type of fraud. Often this is through no fault of their own, but in some cases the reason why people fall victim to credit card fraud is beca... http://www.articleheaven.com/article_620493_19.html 05th September 2008 Partly fuelled by the global credit crunch, which made its way across from the United States last summer, a number of radical changes have occurred in the UK when it comes to the housing and finance sectors over recent months. House prices have been f... http://www.articleheaven.com/article_618364_19.html 04th September 2008 As we all know the global credit crunch still continues to wreak havoc in the financial markets, and for the average consumer this means that there has been an increase in borrowing costs when it comes to loans, credit cards, mortgages, and other forms of... http://www.articleheaven.com/article_614042_19.html 02nd September 2008 There is little doubt that over the past couple of years many banks have been hiking up the fees and charges on their credit card products, and people that are not as financially savvy as others have been left to pay the price. It seems that over recent m... http://www.articleheaven.com/article_595768_19.html 13th August 2008 With the six-week school holidays looming up around the corner many parents may now be thinking about planning a holiday abroad for the family, although many may decide to opt for a holiday within the UK or simply for a selection of day trips as a result ... http://www.articleheaven.com/article_581100_19.html 20th July 2008 Over recent years credit card fraudsters have been looking at different ways to try and obtain the card details of people, and those that are handed the details on a plate by the cardholder are able to access their accounts, take their money, and steal th... http://www.articleheaven.com/article_581099_19.html 20th July 2008 The global credit crunch in the UK has really taken its toll on the finances of households, and many have found themselves unable to keep up with repayments on debt as well as bill payments. As a result of this many people appear to be turning to cred... http://www.articleheaven.com/article_572928_19.html 09th July 2008 It seems that with household finances getting tighter and tighter due to the global credit crunch, soaring petrol and food costs, and rising bills, now is the time to try and streamline your finances and try and cut back on your outgoings as much as possi... http://www.articleheaven.com/article_572926_19.html 09th July 2008 Many recent reports have suggested that more and more of us are becoming increasingly reliant on our credit cards. With the effects of the global credit crunch taking their toll on credit conditions, and with rising living costs and bills adding to ou... http://www.articleheaven.com/article_565960_19.html 30th June 2008 Of course, anyone that owns a credit card is at risk of falling victim to credit card fraud, as this type of activity is rife these days with fraudsters using increasingly sophisticated methods in order to commit fraudulent crimes relating to credit cards... http://www.articleheaven.com/article_558054_19.html 19th June 2008 We all know that over recent months it has become more and more difficult to get any sort of finance, and with so many households feeling the pinch due to increased costs it seems that there could not be a worse time for credit conditions to become as tig... http://www.articleheaven.com/article_554887_19.html 11th June 2008 We all know that there are various scams in operation these days relating to credit cards, ranging from scams to get your details in order to access your credit card account to scams to get you to take out a credit card that you didn't want and never even... http://www.articleheaven.com/article_554886_19.html 11th June 2008 Anyone that has used a credit card that does not offer 0% interest will know that the APR on these cards can be extremely high, and for those that pay their balance gradually rather than in full each month the interest can really pile up. Since Decemb... http://www.articleheaven.com/article_549496_19.html 30th May 2008 Since the global credit crunch swept across the UK last year the cost of borrowing has rocketed in all areas of the financial sector, particularly mortgages. We have seen the interest rates on mortgage rocket, and this is despite three recent base rate cu... http://www.articleheaven.com/article_540937_19.html 20th May 2008 Anyone that is looking to save money on their credit card spending and balance transfers may be interested in a new credit card being launched this week by the Abbey. The Zero card could attract a lot of interest from borrowers who are looking to avoid pa... http://www.articleheaven.com/article_530490_19.html 07th May 2008 Over recent years, with more and more credit cards coming onto the market, many people have started to switch their credit cards on a regular basis in order to try and avoid paying interest on their borrowing. For many savvy, organised individuals this is... http://www.articleheaven.com/article_522970_19.html 25th April 2008 As the summer gets ever closer an increasing number of us will be planning our summer holidays, and many of us will be going armed with our plastic cards for convenience, ease, and security. Many holidaymakers tend to use their credit and debit cards when... http://www.articleheaven.com/article_521616_19.html 24th April 2008 In recent reports the governor of the Bank of England, along with a range of industry professionals, has indicated that the next base rate cut could come as soon as next week, and not in May as many had originally predicted. Mervyn King, the governor of t... http://www.articleheaven.com/article_513741_19.html 09th April 2008 Whilst many of us may think that the worst is over when it comes to difficulties in getting mortgages, recent reports have suggested that many lenders are continuing to tighten up on their lending criteria, making it increasingly difficult to get finance ... http://www.articleheaven.com/article_507877_19.html 03rd April 2008 Many people are tired of hearing the term 'credit crunch', but this is a term that has been banded around since last summer when chaos hit the financial markets, and the effects of the global crunch have been widespread, affecting all areas of the financi... http://www.articleheaven.com/article_507876_19.html 03rd April 2008 Recent reports have shown that consumers hoping to get a new mortgage or remortgage to a better deal are facing very bleak prospects, as more and more lenders take action to try and actively cut back on lending. A number of lenders have increased stringen... http://www.articleheaven.com/article_507875_19.html 03rd April 2008 Over the past couple of weeks a number of lenders have announced that they will no longer be offering mortgage loans of 125%, reflecting the continuing impact of the global credit crunch that has already resulted in tighter lending conditions across the U... http://www.articleheaven.com/article_484687_19.html 03rd March 2008 Since the Internet financial giant Egg announced its decision to withdraw the credit card facilities of 161,000 customers, there has been a great deal of controversy, with industry professionals, government officials, and consumers launching verbal attack... http://www.articleheaven.com/article_484685_19.html 03rd March 2008 These days, more than ever, it is important for consumers to shop around for the right credit card before making applications. This is for a number of reasons. Firstly, you need to ensure that you have the right card for your needs in terms of matching yo... http://www.articleheaven.com/article_477045_19.html 19th February 2008 Over the past couple of years the risk of repossession has become a very real one for many homeowners and the UK, and this has been partly fuelled by the series of interest rate hikes applied to the base rate by the Bank of England. Between August 2006 an... http://www.articleheaven.com/article_477044_19.html 19th February 2008 These days people in the UK no longer save their main holidays up for the summer. Many people decide to go away at other times of the year, such as half term or Easter, particularly after the stress and hassle that Christmas and New Year often bring. If y... http://www.articleheaven.com/article_470501_19.html 07th February 2008 Many of us these days have personal unsecured loans, but for some of us keeping up with repayments can be very difficult due to the high rates of interest that we are paying. There is a common misconception amongst many borrowers that switching to another... http://www.articleheaven.com/article_464154_19.html 30th January 2008 In the current financial climate, with the credit crunch taking effect in all sectors of the money markets, credit conditions have become much tighter over recent months, and this has affected the ability of many to get credit. Like other finance indu... http://www.articleheaven.com/article_464153_19.html 30th January 2008 The credit crunch that has swept across the UK as well as other global destinations has resulted in a range of damaging effects, affecting most areas of the finance industry and leaving a trail of chaos behind. Industry officials have stated that the effe... http://www.articleheaven.com/article_456863_19.html 22nd January 2008 With Christmas over and the New Year upon us many of us are now starting to think about booking a summer holiday. January can be a gloomy time of year, with most people suffering a financial hangover and bad weather to put up with to boot. This is why so ... http://www.articleheaven.com/article_251533_19.html 18th January 2008 Credit cards have long been a convenient and simple way to make payment for purchases, whether in person, by phone, on via the Internet. Credit cards offer many benefits, from the ease and convenience of being able to make cash free payments to being able... http://www.articleheaven.com/article_247555_19.html 14th November 2007 Experts are recommending that consumers planning to use a credit card for their Christmas shopping opt for a cash back card in order to make the most of their expenditure, as this will enable them to earn back some money on the amount that they spend over... http://www.articleheaven.com/article_238960_19.html 06th November 2007 Finding the right personal loan isn't always easy, and can, in fact, be both time consuming and frustrating. Fortunately the Internet has made this whole process far simpler, more efficient, and far more convenient, which means that it is easier for you t... http://www.articleheaven.com/article_215799_19.html 20th September 2007 Although the summer holidays have only just finished, the UK is already preparing itself for the next big holiday of the year – Christmas. It seems ludicrous that whilst the sun is still shining and the evenings are still light, the shops are alread... http://www.articleheaven.com/article_210839_19.html 03rd September 2007 Every year many people in the UK decide to get rid of their older, unreliable vehicle and invest in a newer – or even a brand new – vehicle, which hopefully means safer motoring, increased reliability, and a more enjoyable drive. In most cases tho... http://www.articleheaven.com/article_208234_19.html 28th August 2007 There are all sorts of insurance policies available to protect various aspects of our lives these days, such as travel insurance, car insurance, medical insurance, critical illness insurance, and life insurance amongst others. Amongst the most popular... http://www.articleheaven.com/article_204889_19.html 22nd August 2007 In the light of rising interest rates many homeowners in the UK have wondered whether it is worth looking into remortgages – not only to try and get a better deal on their borrowing but also as a way to raise additional finance. Homeowners in the UK... http://www.articleheaven.com/article_201513_69.html 14th August 2007 Although a summer wedding can be wonderful, with the warm weather, the blue skies, and the beautiful greenery, there is little more magical and enchanted than a winter wedding, where you can enjoy crisp white snow, twinkling fairy lights, and Christmas ca... http://www.articleheaven.com/article_198310_41.html 07th August 2007