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.

With nursery costs reaching as much as £12,000 parents are finding it difficult cope. But now a new provider enables employers to give interest-free loans to parents for childcare

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.

Hundreds of customers of Saga have received an unexpected windfall following its admission that it badly handled the axeing of its popular platinum credit card last year.

Almost 390,000 people who successfully complained about unaffordable loans from collapsed payday lender Wonga will soon find out their compensation.

The average Briton wastes £640 a year on unwanted subscriptions. Nearly 12million of us have less than £100 in savings. Here is our wealth workout to help you reach peak financial fitness.

Lloyds, Santander, Nationwide, NatWest, Virgin Money, HSBC and Barclaycard all confirmed staff cannot unblock credit cards in branch.Some banks say it must now be done by a specialist team.

The charity in charge of dealing with higher education applications is still promoting private loan companies to university students, despite criticism of the practice just five months ago.

TSB is looking at launching a range of short-term loans aimed at families who regularly dip into their overdraft. TSB customers can currently borrow between £7,500 and £50,000.

Mature student Tamara Gray, 29, (pictured) got into financial difficulties after spending several thousand pounds on the websites Very and Shop Direct on a buy-now, pay-in-12-months basis.

The FCA this morning proposed banks should offer customers in financial difficulty an interest-free overdraft up to £500, and let them put credit card and loan repayments on hold for three months.

While borrowers make no payments for three months, card providers often still charge interest on balances during payment holidays, meaning borrowers continue to rack up interest

Virgin Money apologised and reversed its decision, saying that everyone who had their card suspended will be able to use them to make purchases again from Saturday 9 May.

Sadly the numbers of lucrative cashback and rewards cards have dwindled over recent years. But are there still any cashback credit cards worth having? We take a look.

If you are about to buy a big ticket purchase for your home, perhaps some white goods, a new sofa or a television, then this credit card trick could earn you a big reward.

John Lewis has launched a new personal loan, offering borrowers between £1,000 and £25,000. Rates start from a competitive 2.9 per cent. Here's our verdict

Banks reserve their best lending deals for those borrowers with the highest credit scores. To give yourself the best chance of getting a top rate, make some time to tidy up your credit file.

Having a good credit score is vital when it comes to being accepted to borrow and getting the best rate. A new tool claims to be help improve your credit history by saving instead of spending.

The new Preferred Rewards Gold credit card offers Membership Rewards points when you spend which can be exchange for the same value with 12 airline schemes.

I have £40,000 of unsecured debts - £20,000 on two credit card defaults - but having never missed a mortgage payment in 12 years, is it possible to obtain a mortgage?

118 118 Money has launched a new credit card with a difference, instead of fees, interest and charges you pay a monthly subscription. But it could end up costing you far more – here’s why.

It’s aimed at those travelling, living and working abroad to give them more flexibility when spending and sending money and to lower their overall costs.

Every year most of us leave sorting out our holiday spends to the last minute, pushing up the cost. Check out our timeline to take advantage of the best cheap travel spending deals.

All you need to do is make a few simple changes to the way that you spend your money and you’ll have found yourself a brand new source of income.

Travel a lot for work? We have crunched the numbers to help you choose the most lucrative credit card offering air miles, reward points and cashback to use for work expenses

Starling Bank is offering its current account customers personal loans of up to £5,000 from 11 per cent APR. We give our verdict on whether they are worth considering.

Challenger bank, Tandem has launched a new best-buy credit card offering those without a perfect credit rating free holiday spending and cash withdrawals. We take a look.

Some longstanding Virgin Money credit cardholders have been left with charges on their accounts after discovering they had only been making minimum direct debit payments.

Last year 71,000 people used an IVA to become insolvent, a record. But are they being driven by firms looking to make money off debtors looking for advice, regardless of whether it's the right choice?

Virgin Money is refunding loyal customers hit by interest charges after they unwittingly only made minimum payments on their new Virgin Atlantic credit cards.

Households are increasingly saving less and getting into more debt and a payday loan crackdown hasn't solved the problem. This is Money rounds up some of the start-ups trying to help

Nearly three quarters of women said they'd think twice about someone if they debts, compared to 69 per cent of men, according to research from comparison website Finder.

High street giant NatWest denied it was reneging on a five year old pledge to no longer offer 0 per cent balance transfer credit cards to customers, as it announced today it was re-entering the market

A record number of people are heading to debt charities with help over guarantor loans - including Emma, pictured, who paid back £23k after borrowing £10k from Amigo Loans.

As many as one in three people who hold subprime credit cards with interest rates as high as 70% are in problem debt, according to a new report released by the debt charity StepChange.

A long-standing Virgin credit cardholder has accused Virgin Money of 'purposely misleading people for financial gain' after it refused to refund interest charges he incurred on his account.

While it sounds like something out of Blade Runner, a survey found some would take drastic steps to reduce the time it took to pay for their coffee.

Future Finance does recommend students go through Student Finance first, but the cost of repayments should be a red flag for any students considering this option.

Paying a £3,000 credit card bill over two years could cost £1,979 more in interest to an appliccant with a bad credit rating, according to data from TotallyMoney and Moneycomms.

Dave Parr, 38, rang up Three in June to ask for a phone upgrade. Because he asked for a different delivery address, they thought it was fraud and when they couldn't contact him filed a fraud marker.

Ferry passengers incur the charge if they want to be dropped off or picked up by car, or park for the ferry at the end of the half-mile pier.

The Royal Mint announced it has teamed up with card providers Mastercard and Accomplish Financial to create 'Raris', aimed at high net worth individuals after something exclusive.

Have you ever checked your credit report?  If the answer is no, the likelihood is: someone else has. We reveal five top tips for those who have never cast an eye on their financial CV.

American Express and Vitality have launched a new cashback credit card with a difference. The more exercise you do, the more you earn - up to an eye-catching 3 per cent. But is it any good?

Households have £45bn more debt on credit cards, personal loans and overdrafts compared to the start of 2010 - growth of 25% in 10 years, Bank of England data shows.