American express Credit Platinum & Gold Card benefits  are Low Balance Transfer and Purchase rates No annual fee Online Account Management 24 hour Customer Service and much more! Up to 3% Cashback Bonus award with the Platinum Card
	HSBC is the third largest personal credit card issuer in the UK with one of the most competitive offers on the market. In addition to offering great introductory offers and a competitive APR, our card provides customers with a range of security features to give our customers extra confidence whether spending on the high street, abroad or online. - 0% on balance transfers for 12 months. A 2.5% balance transfer fee applies (minimum £5) - 0% on purchases for 3 months - Typical 15.9% APR variable
	The GM Card Apply for The GM Card today and you could save up to £2000 off a new Vauxhall, or up to £2500 off a new Saab – and this is on top of any Marketing Offers available at the time of purchase. That’s because for every £100 you spend you’ll earn £3 back in Rebate Points. Besides this rich reward rate at 3%, to get you started we’ll give 100 Rebate Points the very first time you use your Card. At the same time, you’ll also enjoy 0% per annum on purchases and balance transfers fixed for the first five months from account opening (no fee will be charged during your five month introductory period). Typical 14.9% APR variable.
	Extreme Cred is the Extreme Group's new Pre Pay credit Card , Ideal for teenagers and students get DAD to top it up for you, so no more  overspending. Delivering on our goal to offer something new and different, Extreme Cred supplies a range of awesome re-loadable, pre-pay and pre loaded debit cards, Extreme Cred cards are easy to use, any one of any age can get one, work just like a traditional credit or debit card, but have no credit so they have to be ‘topped up’ or ‘loaded’ before they can used, working in exactly the same way as a pre pay mobile phone. So when the credit runs out, you have to top it up again in any shop displaying the Paypoint sign, online with a credit or debit card or at any post office. The security of chip and pin, cash withdrawal at any cash machine and the ability to purchase on and off line anywhere the Maestro sign is shown means this is potentially set to become the next must have product for teenagers.

 What is a credit card?
It looks just like a debit card and can be used to buy things in the same way. When you use your debit card or cheque book you are drawing funds from your bank account, however with a credit card you are adding funds to a bill that you will have to repay at a later date. If you ensure the full bill is repaid before the monthly payment date you will benefit from an interest free period. If you miss the payment date, you will be required to repay the balance with an interest charge on top.You can use your credit card to withdraw cash from ATM machines just like your debit card but you will be charged a handling fee of 2% or £2 whichever is greater.

Benefits of a credit card
A credit card offers benefits if you treat it with some respect. If you take the biscuit it will with no doubt haunt you for longer than you would like it to! It is beneficial for buying if you do not have the money at that time, it then allows you to pay off the balance before the payment date or you can spread the cost of repayment over a number of months with interest.
You are provided with extra legal protection when purchasing items of the value £100 or more under the Consumer Credit Act 0974 (section 75). It states that if you encounter any problems with the goods or services that you purchased on your credit card, the card issuer, and the retailer is liable enabling you to get a refund.

APRs explained
Credit cards have traditionally been judged by the annual percentage rate (APR) they charge for credit. The APR is the total amount payable each year. It includes the interest rate and other charges, such as an annual fee. If you do not have to pay an annual fee, the APR is simply the monthly interest rate compounded over 12 months. Interest rates vary greatly, but this does not mean you should simply opt for the card with the lowest rate.