As of year end 2015 (according to Experian’s Experian’s “State of Credit” data), the national average Vantage Score was 669, up slightly from 666 the year before.
Balance transfer credit cards were first introduced to the UK in the early 1990's by US issuers keen to gain foothold in the UK market.
The cards were instantly popular as they had been in America, where smaller US issuers had developed the format to incentivise switching and help challenge the traditional banking establishment.
Given the popularity of balance transfer products, UK credit card issuers quickly adopted the product format themselves, enabling them to compete directly with the new US entrants.
Information about CVV2 / CVC / etc numbers can be found here: CVV numbers.
In the vast majority of cases the interest rate charged is 0% for the introductory period (after which the interest rate reverts back to the product's standard APR).Balance transfer cards have remained amongst the most popular types of UK credit cards ever since.And although the balance transfer format has developed, such that some are now available with a host of other features, customers remain drawn to them for their perceived primary benefit - their ability to save people money.A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.Thanks to everyone who stops by to write a note, it is appreciated.