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/li> 15 shares 5 comments Those struggling with credit card debts can now buy themselves 26 months of time to pay back what they owe without accruing any extra interest. Barclaycard has once again outstripped the competition by increasing the 0 per cent interest period on its Platinum balance transfer card by an extra month. It wrested back the mantle of 'market-leading 0 per cent balance transfer card' from Tesco Bank, which held it for a matter of hours yesterday when it revealed a 25-month 0 per cent period with a lower fee than Barclaycard's on its Tesco Clubcard Credit Card. Balance transfer: Barclaycard is offering its longest-ever interest-free balance transfer period at 26 months. Barclaycard's 26-month card comes with a 3.5 per cent fee, meaning you would pay £35 to transfer over £1,000 from other credit cards. Any amount you transfer must not exceed 90 per cent of the credit limit on the card. Tesco Bank's comes with a 2.9 per

/li> 1 comments Shoppers have been warned to look beyond enticing introductory offers to ensure they get long-term benefits from store cards and retailer-branded credit cards. There are good deals to be had for savvy shoppers with reward points, cashback store vouchers and discounts all on offer, but doing your research rather than making a spur-of-the-moment decision at the till can reap its rewards. Moneysupermarket said consumers will get much better deals from supermarket credit card products compared to store cards, which typically charge interest at much higher rates than major credit card providers, at around 29.9 per cent. Better deal: Supermarket-branded credit cards offer better rates and rewards than store specific cards. The best buy supermarket credit cards have typical interest rates of around 16.9 per cent, the same as some and better than many High Street banks. They come with the usual introductory offers designed to lure customers in, but those wit

/li> 0 comments Advertising feature Credit rating: What does yours reveal How to improve and protect your credit ratingWhat’s in your credit report? Your credit report is essentially an overview of your borrowing behaviour - a personal history of the credit you’ve had, from mobile phone accounts to mortgages and more, and lenders use it to help decide if you'll be able to make new repayments on time. There’s information that confirms your identity - such as electoral roll details - information about previous credit applications you’ve made, and there’s financial information, such as a list of your credit accounts and repayments.  They may not expect you to have a perfect credit report, but they do want to know that you will make repayments on time and that you aren’t already over-stretched. It’s best to check that your credit report is accurate and up to date – to give yourself the best chance of getting credit, getting the deals you want, and to help protect you

/li> 0 comments This credit card calculator can throw up some shocking results. See your payments and see what happens if you've been lured into taking a credit card with a low-interest introductory offer that has expired, forcing you to paying higher rates for longer, much longer. TABLES: Best balance transfer credit cards Credit Card Reality Check Calculator Warning: This calculator does not factor in the time it would take to repay a credit card debt where the minimum payment is calculated as a percentage. Your plastic debt This calculator will show you just how long it's going to take you to clear your credit card balance if you don't wake up, face reality, stop paying the bare minimum and start clearing this punitive form of debt. Your credit card balance: £ Interest rate: % Monthly payment: £ Calculate Result Number of monthly payments: Clear your debt quickly Now see how much you need to pay a month to clear your bal

/li> 98 comments For the past three years, Nellie Morley has taken her two daughters to the South of France — for almost nothing. Mrs Morley, a former property worker, is not a whizz at competitions. Neither is she lucky in prize draws. Rather, she is simply a savvy spender. That’s because Mrs Morley tries to make sure every pound she spends earns her loyalty Avios points — 27,000 to be precise. Once she has enough, she cashes them in for flights to Nice, which allows her to take daughters Jessica, 13, and Alex, ten, off on holiday. In the money: Nellie Morley and her daughters Jess, 13, left, and Alex, 10, right, pictured at their home in Chiswick, go to the South of France every year for virtually nothing thanks to savvy saving Holiday for free: Being clever with your credit card can mean big rewards such as annual holidays to Nice, in France, like the Morley family To build up this huge balance of points, Mrs Morley uses her Lloyds TSB Duo Avios American

/li> 14 shares 0 comments DON'T MISS: Latest info and advice - catches to watch out for and the best ratesTODAY'S TOP DEALS... ...See our full best rates table Loan Repayment Calculator This calculator shows what your monthly payments would be for a given loan, where interest is compounded monthly. Payment protection insurance is excluded.

/li> 0 comments A personal loan is what it says: a loan for you to spend as you wish. It could be for a car, home improvements, or even to pay off credit card bills in one go, allowing you to spread the repayments over a longer time at a lower interest rate. Here are the key issues to consider when choosing which loan to take out. Confused: Are you looking for a personal loan? We explain how to apply Borrowing limits You can generally get up to £15,000 - but some lenders offer up to £25,000. You can often get approval in principle over the phone with the money available in just a few days. Loan terms Some lenders will give you a loan for as short a period as six months, although a year is more common. The maximum length is usually seven years, although some firms will lend over ten. Personal loans make the most sense for people who want to repay something over a few years. If you only need the money over six months using your credit card probably makes more s