Credit Card Links

Comparing Credit Cards On Websites

If you have made the decision to apply for a credit card then the easy part is done but the real challenge awaits. At this point you are most likely asking yourself, what is going to be the best card for me?

With so many credit card lenders existing today it makes it difficult for consumers to select the best lenders possible but I strongly recommend comparing credit cards as you will find that interest rates are varied and more competitive. It is almost guaranteed that each company will certainly try to outdo one another.

There are many websites dedicated to finding the best credit card deals depending on an individuals circumstances and by including the interest rate (APR) you want, this will narrow down what can be an important yet potentially long decision.

Websites such as will be able to help a consumer compare credit cards from the comfort of their own home.

And there are many other excellent comparison websites for credit cards and other financial products and services.

Why compare?

Whether you are looking for a new car, house or credit card, comparing others against one another in a competitive market results in finding the best deals possible which is better for you and most importantly your wallet.

The internet is the best place to start your search where not only can be secure excellent credit card rates you can also have the convenience of applying online which takes an average of 5 – 10 minutes and an instant decision is given (in most cases).

Credit Cards and Bad Credit Individuals

If you have been unfortunate enough to suffer at the hands of bad credit in the past then until your rating repairs itself, there is not much to compare in the market if you are considering a credit card.

There are several lenders which will accept individuals with a bad credit rating but it does limit the choice and doesn’t give much comparison between these companies with the average rating of these cards being around 27.9 – 29.9%. It may seem high but once a credit rating begins to repair itself then particular companies could choose to drop the rates accordingly and in terms of how your account has been handled over time.

Aside from the rates being higher than average, the companies involved may ask for a deposit to be held on the account which could be expected to be around £200 - £300 (dependant on the agreed limit). With companies such as Capital One, in most circumstances involving bad credit, they WILL request a deposit to be paid before your application is officially approved and your card being issued.

Capital One offer a service for individuals with poor credit and more information can be found by visiting or alternatively, will be able to provide information on bad credit lenders. 

One other company which accept is:

I would issue a warning with this one because the rate for those who are looking to build their credit rating is 39.9% which is extremely high and makes one pose the question, am I that desperate for a credit card?

Overall, whatever your rating always compare credit cards because you never know what you will find with a little help from the internet.

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