Finding the right UK credit card for which to apply is a daunting task. Calling various companies, searching their websites, and ardently comparing fees and interest rates can take forever, and let's face it: we have better things to do. But short of picking the first one you happen upon, what else is there to be done?

Top 3 credit cards takes the hard work away from you. We select from our vast database of credit cards the best one suited to your needs. Using our search tool you can narrow the results down to the Top 3 in your criteria; Then all you need to do is pick the one you like best. No more searching through pages and pages of cards that dont apply...

Please have a look through these FAQ's, and dont forget, if you have any questions at all, contact us and we will get and advisor to answer your query straight away..

In general, if you're 18 years of age or older (the age limit may be higher depending on provider) and are a UK citizen, you have the legal right to apply for a credit card with any UK bank or financial institution.

In most cases, credit card providers won't consider issuing credit to someone that doesn't have at least one bank account in their own name.

APR is the annual percentage rate (the actual interest rate) you will pay on the balance you carry on a credit card. There are many different types of APR's, depending on the provider, the most common are introductory APR's, fixed APR's, and variable APR's.

Credit cards can come with a lot of small print, which may seem daunting to read thourgh at first. Here is a list of points we think you should look at when selecting a credit card : - What is the period of free credit? - From when is interest charged, the statement date or the date of purchase? - Will you be charged if you miss a monthly payment, and if so how much? - Is there an annual fee? - What happens if you can't keep up even the minimum payment?

All is not lost. More and more people these days are finding anomalies on their credit file. Please remember that there are a variety of credit repair services that might be able to help you restore your credit rating. However, using our search tool you will be able to see the top 3 cards that can be applied for even if you have a few problems in that area.

By all means. When you have selected the cards that you like best, you can appply for all of them, if you wish. Because the cards all have different providers, the applications are treated seperately.