Comparing the market for better credit card offers

I had another chance to check out a site that could be useful for our UK readers. This time it is comparethemarket.com, a site offering multiple credit card offers in the UK. 

As you undoubtedly know if you've been here more than once before, I use credit cards but don't carry a balance.  In fact, I'm a bit neurotic about paying off my balance even before the bill arrives.  I'm pretty sure there's a "condition" under there somewhere that could explain my obsession...

I'm also pretty careful not to spend more because I use credit cards instead of cash.  I auto-invest and auto-save.  And then I spend less than what's left over.  It might not be the most efficient way to do it, but it keeps me on track and is consistent with my personality.  When I get concerned about my financial security I stick my investments balance and auto-invest and auto-savings amounts into an investment calculator to remind myself that there's a method to my madness.  You'll always have moments where you momentarily question your stability.  Having a plan that confirms you're on track is a cure to those moments.

But that's just my personality.  I have a three-prong attack to keep my credit card use under control (auto-invest, auto-save and spending less than what's left over to control total spending).  So a cash back card fits my personality - no annual fee or rotating rewards (although I have a card with rotating rewards that I use if it happens to match up).

I frequently check around online to see if other cards come up that fit my credit card personality better - helping to keep me on track to reach my financial goals. 

Sites that compare multiple credit card offers in different categories can be useful to let you know what's out there to assist you with managing your credit card plan.  To be clear, "better credit card offers" are good "cherries on the sundae" or "frosting on the cake" to getting out of debt or using credit cards safer.  You still need to devise and work a plan to get ahead. 

The plan is the sundae, the cake.  You need to know your personality.   Checking credit card offer sites like compare the market can be very helpful in finding cards that better fit your credit card personality.  So if you can switch to a no-interest card, it can be helpful to save you a few bucks for example while you attack your debt.  But make sure you have a plan and attack it with great passion!

Until next time, put your credit card down and slowly step away from the mall!

This is a sponsored post written by me, Nick. But don't worry, I wasn't told what to write and haven't been censored! All thoughts are uninfluenced as always!



Image: FreeDigitalPhotos.net