Cards & loans

Updated: 07:46 EST

Is the death of the airline credit card on the horizon?

MBNA closed eight of its airline credit cards last week, leaving slim pickings for anyone wanting to use their credit card spending to earn free flights and ticket upgrades. Here's everything you need to know about the eight cards that have been withdrawn and the trick to finding a card that still lets you clock up points to spend on flights.

In the last year, more than eight million Britons have had their credit limits increased by an average of?£1,481, according to Citizens Advice.

Britons who have a Lloyds Avios Rewards credit card have been urged by an industry expert to check their statements after reports of a string of fraudulent activity.

Top credit cards for Christmas spending

Here's our pick of the top credit cards for Christmas spending this year, and the ones you still have time to get before the Black Friday madness hits. Plus, we reveal the ones to avoid at all costs.

Nationwide is ditching the 0.5 per cent cashback on its Select credit card for new customers from January 11. Existing customers will see the cashback on their purchases halved.

About 13 million people are just about surviving financially, the City regulator reckons — and they need to act now to stop matters getting even worse.

Russian cyber criminals enjoy cut price 5* holidays

A new report suggests that hackers steal the reward points and air miles hacked from airline user accounts and bank accounts in phishing scams, and then sell them on, offering flights, hotels and even car hire on the dark web at discounts of up to 75 per cent. The hacker 'travel agents' attractively package the holidays up to advertise them online like legitimate sellers - and their criminal customer base even leave photos and gushing reviews. Research company Flashlight, which released the report, said the situation is so worrying that one American bank has banned buying flights in Russia using its reward scheme.

For many who have heard about the cryptocurrency boom, a major grumble has been how to buy it without jumping through hoops, worries over security and how to actually spend it.

The new products will be launched tomorrow as part of a reboot of its financial services under a new division called Thomas Cook Money.

Almost 2,000 job candidates rejected over bad debts

As many as 1,923 applicants were turned down for a position due to their adverse finances in the year to July,?up from 1,788 a year earlier, according to analysis of the Reed Screening database. The company claims bad debt is responsible for people failing a vetting test 80 per cent of the time, making it the most common reason for failure.

Virgin Money's Manchester United club heroes credit cards

The four-strong line-up of new card designs from Virgin Money include legend Sir Bobby Charlton who spent most of his career with the club, Bryan Robson who played for the Red Devils more than 450 times and legendary striking duo Dwight Yorke and Andrew Cole. Fans can vote for their favourite.

If used correctly, credit cards can help you get something back or spread the cost of things that you are spend on - but make sure that you use them wisely.

Big banks which are plundering millions of pounds a day from savers and borrowers. We can expose the cynical tactics Britain's savings giants have used to hit savers in the pocket.

UK households racked up unsecured debts of over £204billion in credit cards, car finance, overdrafts and other loans as of September.

Total credit card borrowing rose by 7.8 per cent compared to a year ago, up from 7.3 per cent in August, according to the latest figures by industry body UK Finance.

Why Hilton Honors has best reward credit card for spending

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. The little-known card lets you enjoy a stay at almost any Hilton-branded hotel worldwide. We get the lowdown and a selection of some its best rivals from credit card reward expert Rob Burgess.

Philip Rutnam, permanent secretary at the UK Home Office, told MPs in Westminster yesterday that?the days of chip and pin are?over and 'new' technology is needed.

When Stuart and Carol Corkett received a £525 gas bill they immediately knew something was wrong. British Gas had used the meter for their neighbour's house, which is 6ft away.

Boost your Christmas supermarket savings?

Savvy supermarket shoppers can take advantage of loyalty points and bonus schemes - such as Iceland's two-week bonanza - to ease the cost of Christmas. We reveal how and what rival schemes offer.

National Debtline's 'Borrowed Years' report found that 37 percent of 18 to 24 year olds are already in debt, owing an average of £2,989, excluding student loans and mortgages.

A bank of England crackdown on cheap credit cards and loans is already affecting banks, according to the latest figures.The Bank has issued warnings about Britain’s debt binge.

TSB's no-fee deal on 28-month interest-free credit card

TSB has introduced a new fee-free balance transfer credit card for customers who can quickly move existing debt that they want to get paid off interest-free. The Platinum 28 Month Balance Transfer Credit Card deal has a 0.5 per cent balance transfer fee that will be refunded for transfers made in the first 30 days of the account being opened.

The lender is offering the sweeteners to borrowers who take out loans of between £7,500 and £25,000 via the comparison website MoneySuperMarket before October 6.

The best cashback credit cards that reward your spending

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 at the best offers out there and work out how much you have to spend to make them worth your while.

Get double the loyalty points at M&S with new credit card?

M&S Bank has launched a credit card offer that gives double loyalty points to spend in its stores. Reward Plus grants new M&S Bank credit card customers 2,500 points, worth £25. Borrowers earn double points in M&S for the first 12 months, converted into M&S vouchers.

Lloyds Bank's best-buy low APR credit card charges 5.7%

Lloyds Bank is offering borrowers a no-frills credit card charging just 5.7 per cent APR interest – the lowest rate on the market. The card charges a consistently low rate, a good option for anyone wanting to avoid the traps of disappearing interest-free deals

Get £25 to spend at M&S with the Reward Plus credit card ?

M&S Bank is giving new credit card customers up to £25 to spend in store upon signing up to its Reward Plus card. The card deal also comes with a year's worth of interest-free purchases. What's more, balance transfers made in the first 90 days of the account being open are also interest-free for six months, but a?handling fee of 2.9 per cent (with a minimum of £5) applies.

There are a lot of credit cards on the market offering eye-catching 0 per cent interest deals but such teaser rates disappear fast so why not consider a continuously low-rate card instead?

Current and former members of the Armed Forces who are seeking debt advice owe an average £11,240 on top of mortgages and car loans, according to insolvency service Creditfix.

First Direct launches best buy personal loan at 3% on £30k

First Direct has slashed the rate across its larger personal loan bracket to a market-beating 3 per cent. Borrowers can currently find lower rates on amounts up to £25,000 but the lender offers the cheapest deal on borrowing up to £30,000. There is a catch however, to apply for any of the bank’s loans you must be an existing current account customer.

Some banks discount fees or offer extra perks and tempting cashback to existing banking customers taking out a new credit card. Does loyalty get you a better deal or are they a cheap trick?

With the City watchdog poring over the explosion in credit card teaser rates, a senior British banker has warned that millions of borrowers may be unaware of punitive rates at the end.

Is Asda Money's new personal loan tool any good?

Asda Money's new personal loan calculator offers a smart search tool through broker Freedom Finance, which brings up a list of individual quotes from a range of other lenders without hurting your credit score. Similar searches, including This is Money's powered by MoneySupermarket, already exist but Asda reckons its tool takes things on a level by delivering?a fully tailored quote. We take a look.

Left over dosh: If you have currency that you didn't use on holiday then make sure you don't lose out when selling it back.

Travellers with leftover holiday money often face a dilemma over what to do with their unused currency. We explain how to sell it back without losing out.

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  • Rip off fees to pay in pounds cost holidaymakers £500m

    Holidaymakers unwittingly paying by card in pounds rather than the local currency are wasting £500 million, according to research by FairFX. Choosing to pay in pounds incurs a Dynamic Currency Conversion that heaps on an average 6 per cent extra to the cost - and that's on top of a less competitive exchange rate.

    Analysis suggests that the tide is starting to turn, with credit card providers launching fewer deals and shortening the length of zero interest balance transfers over the past six months.

    Those in retirement owe more money on credit cards, loans and in council tax debts than any category of employed people, according to new research from PayPlan at £19,897.

    Worried woman on phone checking  credit card / bank statement / bills. Image shot 2008. Exact date unknown.

    Your credit rating and report is what lenders look at when they decide what to offer you. See our guide to improving your score or challenging wrong information.

    Earlier this year Lloyds was offering a Halifax-branded card giving customers 43 months interest free – a market-leading rate.

    Six reward credit cards that pay you to shop

    Airline and supermarket reward cards are a popular option, but your favourite high street store may also offer a credit card that will clock up loyalty points when you spend. You are unlikely to earn a fortune or be able to use points to pay for your entire weekly shop but they do give you something back for your spending.

    Amid a spate of warnings that Britons are living on a growing credit bubble , new research has revealed just how reliant on debt many people in the UK are.

    Gareth Shaw of consumer rights group Which?, pictured, explains who is eligible for PPI compensation, on what grounds you can make claims, and how best to go about it.

    The best options when applying for your first credit card

    I am applying for my first credit card to help me build up my credit score. I intend on paying it off every month – what are the best options and will I be able to get a standard deal or should I get a credit builder card?

    Dismal rates of return have made saving for a decent retirement more expensive for millions of workers, according to Andrew Bailey, chief executive of the Financial Conduct Authority.

    Credit card borrowers are likely to be offered shorter periods of zero interest on balance transfer and purchase credit cards and will face stricter credit checks, according to the Bank of England.

    Tesco shoppers can pay for Uber with Clubcard points

    The supermarket giant has also upgraded its loyalty scheme with a new contactless Clubcard and improved it’s smartphone app. The refresh will mean shoppers can apply for a Clubcard instantly via the app and access their money-off vouchers on their mobiles to use at the checkout.

    *Rate drops to 0.8% after a year. For current account rewards and interest conditions may apply eg. using provider's full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs. Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    We put the smartest money transfer apps to the test

    There's now a whole heap of companies promising faster, cheaper and simpler ways to move your money abroad using just your smartphone - but are they really any good? We have taken a look at a few of these shiny new apps promising to send money with just a mobile number or load up money via your mobile wallet to see if they really are that easy to use and whether they offer anything different.

    Financial watchdogs are spearheading a clampdown on reckless car finance firms and may force them to stop ordering the installation of controversial ‘kill switches’ in new vehicles.

    The Bank of England has today told lenders they have two months to prove they are not recklessly giving money to people who cannot afford to pay it back.

    Trusted names such as Dorothy Perkins, Littlewoods and Jacamo are luring shoppers into rip-off 'buy now, pay later' deals that wallop them with high interest charges and late payment fees.

    Interest-free terms on credit cards have been steadily rising since they were introduced in 2000, offering to freeze interest on your balance for six months.

    Five ways to boost your credit score

    Checking that a credit file is accurate – and boosting a personal credit score – are vital keys to smoothing the path to borrowing. The Mail on Sunday explains how to improve a credit score and correct errors held on a file to help ensure future borrowing is approved.

    As many as 8 million people in the UK are overwhelmed by financial worries and frequently are forced to miss monthly bill payments, and one in six adults are at risk of falling in to a debt crisis.

    My daughter and her husband loaned me £30k several years ago so I could improve my home. I asked if they could reduce the interest rate, but they refused.

    Why banks can give you a credit card you never applied for

    Nearly a quarter of borrowers believe that getting accepted for a credit card guarantees them the advertised interest rate and 0 per cent promotion. Up to 49 per cent of those accepted can get lumped with a much more expensive deal, even after the good news that they have been accepted.

    The off-shoot of Clydesdale and Yorkshire Banks launched in May last year with both a current account and savings deal, available only through its smartphone app.

    The security measure came to light when reader Michael Green, pictured with wife Maureen, 72, took Yorkshire Bank to court after he had two credit card payments blocked.

    Representative example: If you spend £200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable). Credit limits and terms may vary based on your individual circumstances. Balance transfer offers and introductory fees limited to transfer made with 60/90 days of account opening. See product specific T&Cs. * must spend £1k within 3 months

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