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Take advantage of seriously low rates with an SCU credit card

Written by Oliver Laker on September 13, 2013.

While SCU might not be well known to everyone, that doesn’t mean they don’t have history – or that they don’t offer a seriously great no frills credit card. SCU has been around for 50 years, starting off life as a credit union for City of Sydney Council employees.

These days, SCU provides a number of financial services, including bank accounts, loans, insurance, international money forwarding, financial planning, and credit and debit cards. With a focus on quality and value for money, SCU looks to provide ‘more generous banking’.

Seriously Low Rates

So, what can you get from an SCU credit card? The SCU Low Rate Credit Card offers exactly what you would expect – low rates. Using this card, you will pay 10.49% p.a. on purchases, 10.49% p.a. on cash advan

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First Progress Platinum Prestige MasterCard Secured Credit Card

Written by Tim Peak on September 12, 2013.

The First Progress Platinum Prestige MasterCard Secured Credit Card is a special card that suits the needs of an often undervalued class of people. Those consumers who have been turned down for credit cards because of their credit scores can now reap the benefits of a MasterCard.

First Progress believes in giving people a second chance to improve their credit through cards such as this one.

Know all of your options when it comes to getting a credit card. Use our FREE chaser tool above to find and compare the best credit cards for your needs.

Why and How People use the First Progress Platinum Prestige MasterCard Secured Credit Card

Consumers use the First Progress Platinum Prestige MasterCard Secured Credit Card for a number of reasons. For one, most consumers feel that having a credit card is better than dealing with cash.

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Amex improves 5pc cashback credit card offer

Written by Oliver Laker on August 29, 2013.

American Express has enhanced its Platinum Cashback credit card by giving 5pc cashback on purchases up to £2,500 in the first three months, up from £2,000.

It equates to an extra £25 in potential cashback on spending.

After the first three months, the cashback rate falls to 1.25pc with no limit on the amound that can be earned. There is an additional 2.5pc anniversary month loyalty bonus – if more than £10,000 has been spent on the card in the preceeding 12 months.

A £25 annual fee is charged. APR is 18.7 (including annual fee). The purchase interest rate is 14pc.

Verdict:

American Express’ Platinum Cashback credit card is a clear best buy. It sits alongside Barclaycard, which offers a 6pc cashback on purchases in the first three months on its High 5 Cashback card.

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I Was Denied a Secured Credit Card. What Do I Do?

Written by Oliver Laker on August 1, 2013.

If youve been denied for a secured credit card, dont give up hope yet there are still opportunities for you to rehabilitate your bad credit and get a loan. Well walk through the various alternatives to secured credit cards that will still build your credit.

First step: Why were you denied for a secured card?

Remember: If you get denied credit, you have a right to know exactly why. Is it because you recently declared bankruptcy? Do you have a history of missed payments? Contact the lender to see why you got denied, and make sure it wasnt an error on your credit report. According to an FTC survey, 25% of credit reports contain serious errors.

Next, consider your current bank or a credit union

If you already have a relationship with a bank (such as a checking account) you might find it easier to qualify for a secured credit card.

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American Express Platinum Cashback Everyday Credit Card

Written by Tim Peak on July 7, 2013.

American Express has reintroduced its popular Platinum Cashback Everyday Credit Card. Aimed at new customers who want to benefit from a generous annual fee-free cashback deal, the Card offers 5 per cent cashback on up to £2,000 of spending within the first three months (up to a maximum of £100 cashback.)   Competitive tiered cashback rates of between 0.5 per cent and 1.25 per cent then immediately apply to purchases dependent on spend levels. There is no restriction on the type and number of purchases that attract cashback or the cashback amount earned after the introductory period ends.   Recent American Express research highlights that for nearly two thirds (63 per cent) of adults, the rewards offered on credit and charge cards are seen as an important factor when deciding which plastic to go for. In addition, nearly four in 10 (37 per cent) of those who have a reward based credit or charge card opted to earn cashback in the last year.   N

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