We talk about credit cards as if they are a threat to security, but, in truth, a credit card is simply a piece of plastic. The credit card is not the problem but rather the way we use them, what we choose to think about them, and of course, the details contained in the small print.

If you look around you will see, even with a recession drawing nearer and the credit crunch backlash, there are plenty of great credit card offers available. These offers are aimed at attracting new users or  encouraging existing ones to transfer their debt to a new lender. Continue reading »