Credit cards and loans are a very complicated subject. Not all of us understand how they work, espccially all the jargons. You have APR, AER, EAR, and then you have balance transfer rate, interest free period, minimum payments, credit limit, if all that isn't confusing, then how about insurance and don't forget all the other million condition you will not be bothered to read like the rest of us in small prints of their terms and condition.
My advice is to use any comparison site available to compare credit cards and loans, but first fimiliarize yourself with all the terms these credit companies use. Let me tell you a joke, to this day I sometimes get confused with the meaning of debit and credit, only sometimes though, most of the time when I don't get paid my salary.
Ok I know i've scared you, but don't worry I know what i'm talking about. This is what I do for my living.
Below are some of the webs best comparison sites as well as some direct credit card and loan companies. Check them out if you're looking to borrow.
Also remember, every credit company will do some checks on your credit history to make sure they will not be risking their money by lending it to you. They use companies who will normally hold any and all of your financial activities. It maybe wise for you to get hold of your credit report to see how the financial service sector see you, before applying for anything. The better the score, the more chance you have of getting what you want.
If your credit scoring is poor, don't worry there are companies that will lend you money. The only problem with that is, the interest rates are very high. I will give you some tips and ideas on how to increase your credit score and how to build a good financial record at the end of this section.