Google Pay Rules

Picture of phone with Google Pay Rules

Last week we looked at the rules for Apple Pay so this week it’s time for Google Pay.

Google Pay actually comes from the merger of Android Pay and Google Wallet, and will be available to most people using a smartphone that runs the Android operating system. Therefore it is available on a larger variety of phones than Apple Pay.

In terms of the features of Google Pay, they are very similar to what is offered by Apple Pay including:

  • Making contactless payments over £30.
  • Security. Card details are encrypted and never shared with retailers.
  • You still get all the protections that come with using a credit card e.g. section 75.

If you’re a fan of Google’s Chrome browser then you can link your Google Pay account with your browser and use it to buy things online without using your phone.

Continue reading “Google Pay Rules”

Apple Pay Rules

Picture of a person using Apple Pay

Did you know that it’s been nearly 3 and half years since Apple Pay was launched in the UK?!

If you’ve been living under a rock these last few years and don’t know what Apple Pay is, it’s a way of paying for things using your Apple iPhone rather than a contactless credit or debit card.

Don’t worry Google and Android users. I’m going to be talking about Google Pay and Android Pay next week!

If you are an Apple user and have used Apple Pay you may be comfortable knowing how it works and how you can use it. But there may still be a few benefits and features of Apple Pay that you haven’t considered.

Here are the facts.

Continue reading “Apple Pay Rules”

When And When Not To Use Credit Cards

Picture of pocket with Used Credit Cards

There’s often a feeling that if you use credit cards to pay for something it’s not best financial planning. You’re using debt. People always tell you how high the interest rates are on credit cards and you hear stories of how people get into real financial difficulty by building up too much debt on credit cards.

If used the wrong way, credit cards can certainly get you into financial trouble. At the end of the day, it’s the credit card company who make the purchase but they are expecting you to pay them back and will inflict financial pain on you if you don’t.

But there are many benefits to using credit cards and actually I think as long as you understand them and control them they can be an excellent part of your financial planning.

So when should you use credit cards and when shouldn’t you use them?

First the bad…..

Continue reading “When And When Not To Use Credit Cards”