Thanks to advances in marketing technology, it’s never been easier for consumers to become your customers. The interactive potential of direct marketing campaigns through mobile phones, email and the internet, combined with the immediacy of internet banking technology, mean that potential consumers can sign up to buy or subscribe to your product in seconds at the click of the button. This is great news for business owners of course, but the ease and speed with which customers can commit to sometimes quite significant transactions also pose a risk. Without the proper vetting procedures in place, customers with poor credit ratings...
By admin | November 23, 2011 | Read More
Over recent years we have started to become something of a cashless society, with a huge number of us who now carry around little more than small change by way of cash. One of the reasons for this is because we have become increasingly fond of plastic to make our purchases. Debit cards are used by many people to make purchases where the money comes directly from our accounts within a matter of days. However, credit cards offer even more in terms of convenience and flexibility for some people. One of the key things that has proven extremely useful when it...
By admin | June 27, 2011 | Read More
Whilst many people may be planning to cut back on their spending this coming summer there are many that will be planning trips abroad or within the UK. For many parents the six week summer holiday is one that can be very costly, and keeping the kids entertained can be surprisingly expensive. Many parents decide to use a credit card to pay for a holiday for the family to go abroad, enjoy a holiday in the UK, or just arrange a variety of day trips throughout the six week summer holiday. However, with summer only around the corner now it is...
By Reno | April 23, 2011 | Read More
There are credit cards around these days that are designed to meet all sorts of needs and circumstances, from interest free credit cards for those that want to save money on interest to rewards cards, balance transfer cards, and even credit cards aimed at those with damaged credit. Whilst most credit cards are aimed at those with decent credit the ones for bad credit are there for a reason – to help consumers to improve their credit file and rating. One thing to bear in mind with credit cards for those with damaged credit is that the APR is generally very...
By Reno | April 2, 2011 | Read More
There are many people that have credit cards with high interest rates on which they still hold high balances, particularly in the first half of the year following the busy and costly Christmas and New Year period. Many will also be accruing more debt on their cards over the Easter period as they take the kids away, spend money on entertaining or visiting relations, and keeping the kids busy over the holidays. With all of this in mind it is not surprising that many people are looking for ways to try and reduce the amount of money that they will end...
By Reno | March 22, 2011 | Read More
It seems that many consumers may have switching from spending on credit card that can sometimes come with high rates of interest to spending on payday loans, which almost always come with crippling APRs. A recent report has indicated that people in the UK are spending less on their credit cards, which is good news in terms of reducing the credit card debt mountain. However, the bad news is that many people are turning to costly payday loans, which come with crippling APRs and are leaving some people struggling in a never ending circle of debt. Some people are said to...
By Reno | February 10, 2012 | Read More
Modern technology offers comfort and convenience that is often helpful for people in a fast paced everyday living. With just a click, you can instantly get what product you want. Money seems to be imaginary because so many people use digital technology and make payments straight from their bank accounts to pay their bills or buy goods and services. Even when buying items in a store, a quick swipe of your debit or credit card takes care of the purchase. The truth is that not very many people deal in cash these days. We also hear a lot about credit cards...
By admin | February 7, 2012 | Read More
For many years now, a range of leading and well known charities have been able to boost the levels of donations that they receive through the contributions made via charity based credit cards. Whilst many people do not actively give to charities, many have been using charity credit cards, where a donation is made to the charity in question upon sign up and then contributions and donations continue to be made when the cardholder uses the credit card. Banking giant Lloyds TSB has been dealing with charity based credit cards for well over two decades. However, the state owned bank has...
By Reno | January 28, 2012 | Read More
There was a time when people had credit cards to enable them to pay for occasional larger, more expensive items or holidays and then spread the repayments, or simply to use in emergencies or take on holiday for the sake of convenience. However, over recent years all this has changes and many of those with credit cards no longer use them simply for increased flexibility and convenience but have actually come to rely on them. Research has recently been carried out into consumers and credit cards, with the results showing that around 10 percent of consumers are now reliant on their...
By Reno | January 26, 2012 | Read More

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By J. Kenny | August 28th, 2008