American Express cardholders can earn £5 cashback when they spend £10 or more at independent stores, restaurants and retailers until December 16.

Virgin Money is currently running a bumper sign-up offer on its Virgin Atlantic Rewards+ credit card - enough points to get a free return flight to New York. but it ends at 4pm - should you sign up now?

Interest-free deals are disappearing fast for credit card customers seeking breathing space to pay off debt. The ‘balance transfer’ trick is a popular way of paying off money borrowed.

The rate means someone borrowing £7,500 over 36 months will repay £217.32 a month and end up paying a total of £7,823.52.

For some people, it is not just overspending at Christmas that will leave them feeling short and there will be a number of debts that they will be looking to clear.

This is Money has put together the reward points cards with the steepest APRs, and how the card companies are making money off you even if you're clearing your balance each month.

When Danny Cheetham took out his first payday loan ten years ago he only wanted £100 for a night out. He was a student and paying back £128 after 22 days didn't sound like a bad deal.

More than 6,000 people have joined the waiting list for a mobile only credit card that promises to approve customers in less than three minutes.

UK credit cardholders paid the price for withdrawing money using their credit cards last year, being stung with £219million in fees and charges.

At the launch event in Cupertino, California, the iPhone maker debuted a white titanium card with no number, security code, expiry date or name, only the Apple logo. Could it launch in Britain too?

Two years ago, top balance transfer credit cards offered customers 43 months to clear their debt without paying interest. The longest deal today lasts just 29 months.

Those thinking of putting money on the 5.15 at Aintree on Saturday could be making a mistake far costlier than backing the wrong horse - using a credit card to bet.

Regulators at the Financial Conduct Authority are taking aim at the industry, which allows hard-up consumers to borrow money provided a friend or family member agrees to pay it back if they default.

It is Bristol where the highest proportion of card payments are swiped, with 73 per cent of 11.5million card transactions in the West Country city using contactless.

Swedish fintech Klarna attracted 25,000 new UK users each week in the last three months of last year, as it celebrated a bumper 2018 that saw global revenue increase 31% to £445m.

Amazon and American Express have slashed the sign-up bonuses and spending incentives on some of their cards.

If used smartly, credit cards can still be an effective spending tool and even earn you money. Shoppers now have around 166 different deals to choose from.

HSBC's Reward Credit Card is available to Advance current account holders, and pays you reward points on all your purchases. We see how it stacks up against the best of its rivals.

A personal loan provider is offering customers the chance to lower their APR, if they improve their credit rating while holding the product.

Britons' credit scores have improved on average across the country, but no region can boast more than just a 'fair' rating, a new report has revealed.

While bumping your credit card spending when saving for a house might not seem like the brightest idea, you could be doing your chances of getting a mortgage more harm than good by avoiding plastic.

Those who have pawned off items and want to get them back may feel anxious following the news, but according to the company's website you can still do so.

Customers looking to make big purchases with a NatWest credit card will be able to pay a set monthly fee rather than their card's APR, under a new mobile-only offer announced by the bank.

Periods of free borrowing on best-buy balance transfer cards have shortened by nearly 20 per cent in a year, according to figures compiled by data company Moneyfacts.

Many credit cards offer reward points that can be exchanged for air miles. If you can pay off the balance every month, these cards are a good place to start racking up air miles.

Average card rates have surged since the financial crisis, climbing from 16 per cent in 2006. But at the same time, typical savings rates dropped sharply to all-time lows and barely recovered since.

Data from Moneyfacts found that in September the average credit card purchase APR rose to 24.7 per cent, an all-time high since its records began in June 2006.

New research reveals that nearly half of all UK credit card holders -around 17million people nationwide - have never switched their card.

Shoppers now pay an average of 25.1 per cent on credit card purchase. It means that a customer who borrowed £3,000 and paid off £100 a month would pay £1,463 in interest overall.

Love it or loathe it, Black Friday weekend is looming. This is when retailers are expected to shower shoppers with juicy discounts for a few days only.

Buy now, pay later juggernaut Klarna announced it has signed up over 60,000 retailers so far in 2019, including Microsoft and travel agent Expedia, as it prepares for a bumper Black Friday.

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.

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.

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.

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.

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.

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.

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.

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

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.