News

Up to 40 per cent have not made key checks on their credit rating or electoral roll entry

Prepaid plastic is the new must-have for credit-crunch holidays

Travellers can avoid transaction costs, fluctuating exchange rates and overspending, with a bit of pre-break research.

Cattles shareholders face wipe-out after breach of bank covenants

Shareholders in Cattles could be wiped out after the sub-prime lender revealed it had breached its banking covenants and had suspended its finance director over accounting errors.

One blot on your credit record and you can forget about a mortgage

Bankruptcy could ruin your chances of getting a loan for the next 10 years, writes Laura Howard. Even neglecting to pay a phone bill could put lenders off

Rexam shares slide on S&P ratings cut

Rexam, the FTSE 100-listed drinking can maker, announced solid full-year 2008 results yesterday, saying that pre-tax profits were up £83m to £328m. But the share price fell by 10 per cent to 278.5p, a 12-month low, as the group said its focus this year would be on cash generation and cost-cutting.

Zopa takes up where the banks leave off

Julian Knight and Nargis Ahmad look at the site matching individual lenders and borrowers who recoil from high-street rates

How to make your credit cards pay

Britain's credit-card market is one of the most competitive in the world. Most cards have no annual fees, offer attractive interest-free introductory periods, and come with generous loyalty schemes. The downside is that they also charge hefty interest rates – typically between 15 and 20 per cent APR – meaning that they're an inefficient way of borrowing for any period of time.

Jeremy Warner: McDonald's has better credit rating than Britain

Outlook The market never lies. Britain is more likely to go bust than McDonald's and Coca-Cola, if spreads on "credit default swaps" (CDSs), which measure the cost of insuring debt against the risk of default, are anything to go by. As our graphic on page 37 shows, some time towards the end of September, or about the same time as Bradford & Bingley was nationalised, the cost of insuring British Government debt against default became more expensive than that of a number of leading American companies.

Beginner's guide to: Overdrafts

Now banks raise credit card costs

Banks have increased interest rates on credit and debit cards held by tens of millions of shoppers despite the cost of borrowing falling to its lowest level for more than 50 years, research for The Independent reveals today.

Meet the credit card that can cut the cost of your Christmas spree

Cashback deals could save you money, if you are smart. Nargis Ahmad and Julian Knight report

Summer camp beckons for mini-billionaires

Today's feckless, globe-trotting billionaires squander their fortunes in Hamptons' night-clubs, or St Tropez, or Court 13 of the Royal Courts of Justice. But for tomorrow's generation, the business of being rich – and staying that way – will require an awful lot more hard work.

B&B braced for damaging credit rating report

Bradford & Bingley was last night preparing for more bad news, with the rating agency Moody's set to cut the mortgage bank's credit rating, just days before a crucial shareholder vote.

How much would you pay to stop them stealing your ID?

For up to £60 a year, you can take up a service that alerts you to financial applications made in your name. Kate Hughes asks if it's worth it
Latest stories from i100
Career Services

Day In a Page

Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
3.	Provence 6 nights B&B by train from £599pp
Prices correct as of 12 March 2015
The saffron censorship that governs India: Why national pride and religious sentiment trump freedom of expression

The saffron censorship that governs India

Zareer Masani reveals why national pride and religious sentiment trump freedom of expression
Prince Charles' 'black spider' letters to be published 'within weeks'

Prince Charles' 'black spider' letters to be published 'within weeks'

Supreme Court rules Dominic Grieve's ministerial veto was invalid
Distressed Zayn Malik fans are cutting themselves - how did fandom get so dark?

How did fandom get so dark?

Grief over Zayn Malik's exit from One Direction seemed amusing until stories of mass 'cutting' emerged. Experts tell Gillian Orr the distress is real, and the girls need support
The galaxy collisions that shed light on unseen parallel Universe

The cosmic collisions that have shed light on unseen parallel Universe

Dark matter study gives scientists insight into mystery of space
The Swedes are adding a gender-neutral pronoun to their dictionary

Swedes introduce gender-neutral pronoun

Why, asks Simon Usborne, must English still struggle awkwardly with the likes of 's/he' and 'they'?
Disney's mega money-making formula: 'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan

Disney's mega money-making formula

'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan
Lobster has gone mainstream with supermarket bargains for £10 or less - but is it any good?

Lobster has gone mainstream

Anthea Gerrie, raised on meaty specimens from the waters around Maine, reveals how to cook up an affordable feast
Easter 2015: 14 best decorations

14 best Easter decorations

Get into the Easter spirit with our pick of accessories, ornaments and tableware
Paul Scholes column: Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season

Paul Scholes column

Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season
Inside the Kansas greenhouses where Monsanto is 'playing God' with the future of the planet

The future of GM

The greenhouses where Monsanto 'plays God' with the future of the planet
Britain's mild winters could be numbered: why global warming is leaving UK chillier

Britain's mild winters could be numbered

Gulf Stream is slowing down faster than ever, scientists say
Government gives £250,000 to Independent appeal

Government gives £250,000 to Independent appeal

Donation brings total raised by Homeless Veterans campaign to at least £1.25m
Oh dear, the most borrowed book at Bank of England library doesn't inspire confidence

The most borrowed book at Bank of England library? Oh dear

The book's fifth edition is used for Edexcel exams
Cowslips vs honeysuckle: The hunt for the UK’s favourite wildflower

Cowslips vs honeysuckle

It's the hunt for UK’s favourite wildflower
Child abuse scandal: Did a botched blackmail attempt by South African intelligence help Cyril Smith escape justice?

Did a botched blackmail attempt help Cyril Smith escape justice?

A fresh twist reveals the Liberal MP was targeted by the notorious South African intelligence agency Boss