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Skip to content Laid Back Lending Borrow Money Online Payday Loans General Store Cards About Contact General What are the Advantages of Store Cards? There are many store, particularly large chains, which offer the option of having a store card. You may wonder why you should consider taking them out though. Interest Free Credit When you buy something with a store card you will not need to pay for it right away. From the time that you buy it until a specified date you will get interest free credit. When you get your statement it will let you know when you need to repay the money that you spent and if you repay it all by that date you will not have to pay any interest. This can be really handy as it means that you can use the card to buy something and you have not got the money at the moment, you will have a bit of time to find it. You may even find that you will be paid before you have to pay the card off, which can be handy. Deals You may find that some store cards will allow you to have some sorts of deals, discounts or offers. Often the store will offer you some incentive for becoming a card holder and so you will be able to take advantage of this. It is wise to find out what the offers might be though to see whether it is worth it. You will find that some stores will have more enticing ones that others and so seeing which are the best could help you to choose which store to get your card from. Buy Now, Pay Later The main reason that some people like store cards is that you do not have to pay for things that quickly. When you get your monthly statement, you will have the option of repaying just a minimum amount of money which will cover the interest charge as well as a small repayment of what you owe. Then you will be able to leave the money unpaid. Each month this will happen and it could take you a long time to repay the debt. You can choose to repay bigger chunks or even pay off the whole lot if you wish, but it will give you the option to spread the repayment over a long period of time. You will need to be careful with this though because you will be charged interest and the interest on store cards can be relatively high compares to some other types of borrowing. So, you can see that there are a lot of reasons why it could be a good idea to take out a store card. There are lots of shops that offer them as well, so you might think that it will be a good idea to get a few. However, you do need to be careful to make sure that you will be able to manage the repayments on the cards. Even the minimum payments might be difficult for some people to manage if they already spend almost all they earn or more. It is also worth noting that by just repaying the minimum you will hardly repay any of the loan and therefore the debt will be around for a long time and you will end up paying a lot of interest on it. So, it can be best to repay the full amount each month and then you will be able to take advantage of the interest free credit and the deals without having to pay the interest. You should be able to set up a payment that will automatically do this each month so that it is easy and you will not forget. You will just need to be careful to only spend money that you can afford to repay. Store Cards Which Stores Cards Should I Choose? There are many stores that offer store cards and if you are thinking of getting one then you might wonder which one will be the best one to choose. There are lots of reasons for picking particular cards but it is worth thinking about the following as well as any that you can think of yourself: Stores You Use Most It will make sense to choose cards from the stores that you use the most. If there is a particular shop that you favour other others then it would make sense to choose that one. However, you could find that you shop at lots of different shops and so that is not an easy decision to make. It could be good to perhaps look at other factors instead. Cards with Best Deals A store card will often have a deal with it. It might be that you get a discount when you sign up or you get to go to a preview sale evening or other things. It is a good idea to investigate what the deals are on the cards and then you can compare them and work out which you think might be the most suitable for you. Cheapest Interest Cards It is also a good idea to look at the interest rate on the card. The cards will vary in how much interest they charge and so it could be a good idea to pick the one with the lowest interest. However, this will be more important if you think that you will not repay the card in full each month. Some people will repay the card in full and therefore they will not be so concerned with the interest rates. However, it is a good idea to find out how much they are as this could act as an incentive to make sure that it is repaid in full. Also you cannot be completely sure that you will always be able to repay the card in full. Cheapest Shop It could be worth considering getting a card for the shop that is the cheapest. This is because if you get carried away shopping with the card or you decide to shop more in the shop that you hold the card for, you will not have to pay out so much as things will be cheaper. Hopefully you will not get too carried away with your shopping and end up spending too much money but in case you do, it could be worth getting a card for a cheaper shop so that you can still buy lots of things without spending so much money. So, you can see that there is a lot to think about when it comes to store cards. You will need to decide which might be the best for you with regards to how you expect to use them. If you think that you will always repay the full balance each month and therefore pay no interest, then it is good to look for the card with the best deals However, if you think that you will not repay the full balance each month you should more closely at the interest rates and the prices in the shop. It can even be worth thinking about whether getting a card at all is a good idea. You need to consider that if you spend a lot on the card, you could end up with high interest to pay and also with a big debt to pay. So think about whether it will be a good idea for you, based on how you tend to be with money. Payday Loans Do I Need a Payday Loan? It is always a good idea to ask yourself whether you really need the loan that you are considering. Whatever type of loan it is, there will be consequences of getting it and this means that you need to think the decision through. So, asking yourself whether you need a payday loan is a really sensible thing to do. There are a number of things that it would be wise to check when you are considering the answer to this question. Is it Worth the Cost? It is a good idea to fins out how much the loan will cost and whether that is an amount that you are happy to pay. You should be able to find out from the lender how much the cost will be. You might just be tempted to try to estimate it yourself based on the interest rate but this is not really accurate, partly because the maths is tricky but also because there may be more costs as well as the interest, such as fees. Especially if you’re looking at loans without a credit check . It should be easy to find out from the lender too, just by contacting them online or by phone. Once you have a figure then it could be a good idea to think about whether you are happy to pay that much on top of the cost of the item you are buying with the money. Can I Repay it? It is a good idea to also find out how much you will need to repay and when you will need to repay it. This should allow you to be able to calculate whether you will be able to afford the repayment. You will find that there are different rules for different loans and so you will need to check. It is then wise to actually look at your previous bank statements to see what you would normally be able to afford. Think about whether things will be different now and you will be able to

URL analysis for laid-back-bikes.co.uk

http://www.laid-back-bikes.co.uk/category/general/
http://www.laid-back-bikes.co.uk/will-i-be-allowed-a-payday-loan/
http://www.laid-back-bikes.co.uk/
http://www.laid-back-bikes.co.uk/which-stores-cards-should-i-choose/
http://www.laid-back-bikes.co.uk/feed/
http://www.laid-back-bikes.co.uk//#content
http://www.laid-back-bikes.co.uk/category/store-cards/
http://www.laid-back-bikes.co.uk/what-are-the-advantages-of-store-cards/
http://www.laid-back-bikes.co.uk/comments/feed/
http://www.laid-back-bikes.co.uk/wp-login.php
http://www.laid-back-bikes.co.uk/category/payday-loans/
http://www.laid-back-bikes.co.uk/about/
http://www.laid-back-bikes.co.uk/do-i-need-a-payday-loan/
http://www.laid-back-bikes.co.uk/contact/
cobrapaydayloans.co.uk
moneyadviceservice.org.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
laid-back-bikes.co.uk

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 14-Jan-2020

Registrar:
Fasthosts Internet Ltd [Tag = LIVEDOMAINS]
URL: http://www.fasthosts.co.uk

Relevant dates:
Registered on: 08-Sep-2020
Expiry date: 08-Sep-2021
Last updated: 13-Sep-2020

Registration status:
Registered until expiry date.

Name servers:
ns1.raidhost.co.uk 149.202.176.56
ns2.raidhost.co.uk 167.114.234.133

WHOIS lookup made at 09:58:20 27-Nov-2020

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2020.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at https://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS laid-back-bikes.co.uk

  PORT 43

  TYPE domain

DOMAIN

SPONSOR
Fasthosts Internet Ltd [Tag = LIVEDOMAINS]
URL: http://www.fasthosts.co.uk
Relevant dates:

  CREATED 08-Sep-2020

  CHANGED 13-Sep-2020

STATUS
Registered until expiry date.

NSERVER

  NS1.RAIDHOST.CO.UK 149.202.176.56

  NS2.RAIDHOST.CO.UK 167.114.234.133

  NAME laid-back-bikes.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2020.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at https://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED no

Mistakes

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