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Rewards, rates, and the plastic in your wallet—decoded for real life.
Barclaycard's Amazon co-brand pays a £50 gift card for applications approved by 13 October, but the representative APR remains 28.9% and some borrowers can be offered up to 34.9%.
Halifax rewrote Clarity credit card statements to show exact 0% purchase end dates after Which? logged a spike in complaints from customers who thought promotional windows tracked statement cycles rather than transaction dates.
Peers backed a compromise requiring a parliamentary report on how the FCA will exercise new consumer credit powers as the Consumer Credit Act shifts into the Handbook.
Santander UK rewrote footnotes on its All in One card after the FCA’s Consumer Duty review flagged balance-transfer examples that obscured post-promo fees.
Major UK issuers are shaving months off introductory balance-transfer offers as gilt yields and swap curves make long zero-rate promotions harder to fund.
TSB and rivals are advertising balance-transfer windows of up to 38 months, but Catherine Mann’s inflation warnings mean revolvers must plan for sharply higher revert rates when promotional periods end.
Deep Dive
