More insight into the American Express Credit Card

Heres teh American express credit card. Many are familiar with this credit card, especially my followers. However i have never gone into the details of this card, so i thought today we would look into the specific rates and credit stats the standard american express has.

How do they compare?!

• Collect double Airmiles on spends abroad
• 50% refund of balance transfer fee
• Fee waived for Premier account customers

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £140 annual Fee your Representative APR will be 47.2% (variable).
Receive up to 46 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is your balance (if this is less than £25); or whichever is the greater of: £25; or 1% of your statement balance before any default charges, annual fee and interest (to which an amount equal to the default charges, annual fee and interest will then be added)

So does this credit card live up to the hype?
It certainly seems to with those competitive rates.
Would you be interested in american express? 

Exam Break

I will be taking some time off to study for exams. I will be back blogging to usual in a few days.
Best of luck to all of you. This is not the end....

I will continue to post images of cool graphics but my in depth credit card comparisons will be less detailed

Credit Card Comparisons: Small Time Banks

Time to show some credit card love and compare a few of the smaller credit cards found in less wealthy countries.

Account now. A very small banking firm in belgium. The credit card design is pretty cool; reminds me of those slow shutter highway shots.

• £20 off fee when you transfer £3,000+
• Belgium's longest 0% balance transfer period
• 0% on purchases for 3 months

Advantage SBI Credit card. Gold account credit card here. How does it compare to account now?
Check its rates and see for yourself!

• Instant online decision is available
• 10% off SBI holidays & wine package
• Pay for items up to £15 with Contactless

Horrible Credit Card Comparison: Shit vs Piss

Terrible Music and Terrible Credit Cards. Who would ever think of putting these two together?!

Well some genius did and they combined Usher with credit cards. They didnt even manage to make the design good. The rates arnt that special either.

Here he is. The design isnt too bad, they have gone with usual credit card scheme of flashing gold everywhere. But his pose is just...egotistic

Heres the credit card rates
Receive up to 59 days interest free on new purchases if you pay your statement in full and on time every month. Each month you must pay Clydesdale Bank at least the minimum payment set out in your statement. This will be an amount equal to the greater of:
• All interest and default fees added to your account that month together with 1% of the remaining balance on your account or
• £5 (or the statement balance if it is less than £5).

 Some how the bank decided to release a second credit card with this guy. This however was a platinum credit card which had a few benefits to go with the con(the guys fact in your pocket all day)


Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly repayment on this card is interest, default charges and any balance protector premium plus 1% of the principal, or 3% of the statement balance or £5 whichever is highest, or the whole balance if it is less than £5. 

Ok ill be honest. The credit card doesnt look too bad when you read the fine print. The credit rates are somewhat beneficial. What do you guys think!?

Credit Card Comparisons: The credit cards of the everyman

Ive lost touch last few updates so today theres some credit cards with rates more realistic for the average person on teh street. Check these credit cards out!

A nice globe like design, two spheres cool stuff. This is a really nice credit card aimed at college students.
Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is the highest of:
2.25% of the amount you owe on your monthly statement;
£5 (or the entire amount if less than £5);
any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance
Those are certainly beneficial for those with short arms and deep pockets!

Capital One developed a platinum credit card scheme that offered platinum level rates for lower incomes. What do you think?

• Cover against online fraud
• Discounts on travel, shopping & dining 
• The interest rate charged on purchases after the introductory period will be 15.94% APR.

  
  

  Those are some nice features, cool wood pine design too!

  
  

  
  

  So what do you guys think of these credit rates!?

  Which credit crad suits you and how do they compare!?
   

Platinum Credit Card Comparisons: Discover takes on Mauwee Valley

Two less popular platinum credit cards. These two do have their own unique credit rate benefits however. They are certainly powerful credit cards in the correct hands!

Discover credit cards always have nice designs even when more basic and plain. This doesnt disapoint. They really nailed the graphics. Did they manage to tie down some good credit rates to match?

Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is the highest of:
1. 2.25% of the amount you owe on your monthly statement;
2. £5 (or the entire amount if less than £5);
3. any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

 In the other corner teh stunning mauwee valley platinum credit card. Really captured that unique expensive credit rate credit card feel with teh glitter. Do the credit rate benefits catch your eyes?


A generous 18 months 0% interest on balance transfers and 3 months 0% on purchases. You will need a good credit rating and be over 18 years of age. There is no minimum income requirement however you will not be able to transfer a balance from an existing MBNA card which includes Virgin. Instant online decision is available. Once the 0% period ends you will be charged an annual percentage rate (APR) of 18.8% on the transferred balance. In order to transfer a balance at the introductory rate this must be undertaken within the first 60 days of account opening.


A tough decision but im sure theres benefits to both. More tomorrow!

Credit Card Comparison: Gold Vs Platinum

Todays credit card comparison compares teh credit rates of a gold credit card vs a platinum credit card.
Seem like an obvious choice?
Think again!
Some banks sucker you in by promising platinum benefits through name. In reality your worse off. Check and compare these credit cards!

A platinum credit card from Nordea, very traditional design.
Credit Rates

• Free text/email bill reminders
• 100s of discounts with top brands

Representative Example: If you spend £1,200 at a purchase interest rate of 16.56% (variable) your Representative APR will be 16.6% (variable).

Public Bank Asia. Gold account credit card. Last time i posted this it was well received. Lets see how its credit rates do in a credit card comparison!

Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is the highest of:
2.25% of the amount you owe on your monthly statement;
£5 (or the entire amount if less than £5);
any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Some things to ponder there over this credit card. How do the credit rates do for you?!