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By the time the credit crunch hit in 2008, many consumers worldwide were already going on the assumption that all the financial candy they’d been eating the past few years was going to result in several years of biliousness. Ireland was no exception. Thrift quickly became the new standard.

To that end, consumers are paying much more attention to the terms of service of their credit cards, canceling those with the worst terms and transferring balances to cards with lower interest rates or better perks. If you do carry a credit card with a balance, you can probably find a better deal if you do some searching. Here are a few things to look for when looking for better credit card deals in Ireland.

Perhaps the the change that would make the biggest difference would be a lower interest rate overall, not just a low or 0% introductory rate. Unless you plan to pay off your entire balance quickly, low “teaser” rates are likely to rebound back to where your rates were before – or worse.

That said, if you have the means to pay off your credit card balance, you might consider getting a card with a low or 0% teaser rate on balance transfers. The longer that rate holds, the better. It isn’t as easy now to find cards with teaser rates that last for a year, but six months is still fairly easy to find. But if you know you’ll eventually be carrying a balance again, then overall interest rate is the most important characteristic you should look for in a card.

Rebates in the form of gasoline, airline miles or some sort of points reward scheme are quite appealing when money is tight. But again: if you carry a balance, interest rates will undoubtedly dwarf any perks or savings you might receive from a rebate card.

With a new attitude toward thrift, Irish credit card holders are more accepting of the idea that enticing financial offers from credit card companies often come at a very dear price.

Peter Carville is a freelance article writer who writes for Financial Facts about the current financial news and the credit crunch.

Article Source:http://www.articlesbase.com/credit-articles/irish-credit-cards-1363338.html

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With Britain to be hit by national post strikes later on this week, people are being advised to take steps to avoid being hit late payment charges for credit cards and other financial commitments.

As the Communication Workers’ Union points out that strike action is planned to take place this Thursday and Friday (October 22nd and 23rd), the Payment Council states that those who normally pay bills by cheque should endeavour to find out if they will be fined in the event that such a payment is made late.

Consequently, consumers are advised to investigate other payment options, for example paying by debit or credit card online, over the phone or at a post office or bank branch.

In addition, the council claims that the setting up of a direct debit scheme from a bank account can ensure money will be paid on time and that they will not incur any charges.

“It’s worth taking five minutes to work out what bills, invoices or cheques you might be expecting in the post and to consider whether you want to take any action to make alternative arrangements for any of them,” Paul Smee, chief executive of the Payments Council, states.

Such comments come as figures from the organisation reveal that just over a quarter (28 per cent) of credit card bills are paid via direct debit, with cheques used for 23 per cent of demands for payment.

The study also shows 26 per cent of such bills are paid over the telephone or using an online bank account, with direct debits making up 76 per cent of all personal and household bill payments.

It also indicates that 22 million adults made use of online banking services in 2008 when managing their current account.

Such advice comes as Jane Baker pointed out in a recent lovemoney.com piece that being late with repayments on a 0% balance transfer card can see lenders cancel the 0% deal and charging borrowers a “very costly debt”.

UK Price Comparison website Which4U – http://www.which4u.co.uk compares Credit Cards, Savings Accounts, Fixed Rate Bonds, Bank Accounts, ISAs, Loans, Mortgages, Insurance, TV & Broadband and Gas/Electric bills to find the best UK deals

Article Source:http://www.articlesbase.com/credit-articles/credit-card-guidance-issued-ahead-of-postal-strike-1358898.html

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