In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago. The competition that has flowed in from other countries, especially the United States, as well as from internet lenders and other institutions has meant that there are now more offers and more products than ever before.
Some of these offers would have been unimaginable in the past. You dont have to go back very far to think of a time when no one had heard of zero per cent balance transfers. Not to mention zero per cent on purchases which is now available. Then there is the whole range of rewards schemes and loyalty schemes that lenders are offering in an ever heating bid to claim a larger market share.
Despite these massive changes in recent years however, it is certainly the case that credit cards can still cost a lot of money. In fact we spend more money on credit cards now than ever before. The UK credit card industry makes billions of pounds every year in profits and it shouldnt come as a surprise to anyone to learn that all these offers arent being made to the public out of...
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