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Also, as has been well publicised in the press, the UK consumer is more indebted now than ever before. This means that in order to get better value credit and make savings on interest payments, you must be able to shop effectively for credit.

Shopping for credit has become all the more important in recent years as credit has become more important. These days, there are many situations in which the only way to pay for a good or service is by credit card. Booking a hotel abroad, or shopping online, or even renting a car, are all impossible unless you have access to credit cards. Therefore, as the circumstances in which you need to use the cards have increased, the importance of being able to find the very best deals when you are shopping for credit has also increased.

Another development that has come about in recent years, and has really made shopping for credit a lot easier and more effective, is the introduction of rules regulating the calculation of APR.

Having Credit is Essential

Shopping for Credit Points of Interest

Shopping for Credit Points of Interest

APR, standing for annual percentage rate, is a fixed formula that by law, all lenders must use when they calculate the cost of a loan that they provide to you. This means that you can ask all lenders for their APR and they will have much less scope to hide their true costs and extra charges. They will have to give you the APR and you can take this with you and compare it to all the other APRs on the market.

Finding Credit Online

Always Ask For The APR