Credit Card Guide.

The APR on a credit card is the Annusal Percentage Rate of Charge. Some credit card companies allow you to transfer a balance from another credit card to theirs. Often they offer a perod of interest free time on the balance transfer although you will get charged a one off fee which is typically around 2.9-3.00%. This can be a great way to save money as it is possible to save as much as £200 on each £1,000 you transfer to the new credit card eeven after the balance transfer fee.

Credit Card Company	APR	Interest Free Balance Transfer Offer (Months)	Balance Transfer Fee	Introductory Purchase Offer (Months)	Credit Card Information	Credit Card Website
Virgin	16.6%	14	2.98%	3	Discounts at loads of Virgin companies
HSBC	16.9%	15	2.90%	3	Only available to existing HSBC customers who will get an immediate decision when they apply for the credit card online.
American Express	18.9%				5% Cashback for first 3 months on the credit card and then 1.5% after.
Halifax Credit Card	15.9%	9	3.00%	9	The Halifax all in one credit card offers up to 59 days interest free credit if purchases are paid in full every month.
Vanquis Credit Card	39.9%				Vanquis specialises in providing credit cards for those who have had credit problems, are new to credit or are self employed.

Alternative Cards Compared Pre-paid currency cards