Have you been using your credit cards to get in on the black Friday deals, or perhaps some Christmas shopping? Credit cards can be extremely useful against fraud but can be a big problem if you aren't able to pay them off quickly. So should you bother, or are you better off without? To discuss this with Sarah she is joined by Young Money champion, James Connington, Andy Webb of becleverwithyourcash.com, Andrew Haggar of Moneycomms and Hannah Maundrell of Money.co.uk.
James Connington, Andy Webb, Andrew Hagger, Hannah Maundrell
Sarah looks at the idea of fraud and how people are most likely to be targeted. Figures show an increase of 16 per cent for 2015 compared to the year before, but how can you help to lower your risk of being a target. To discuss this Sarah is joined by young money champion Amelia Murray, Mike Haley from CIFAS and Steve Proffitt from Action Fraud.
Sarah Pennells looks at credit card surcharges and why we still have to pay an extra 2.5% interest fee. This week's Young Money Champion, Amelia Murray, explains what the credit card charges are and why they are being changed this year. Helen Saxon, from Moneysavingexpert.com, debates whether credit card rewards are worth considering after cash back offers and loyalty incentives were reduced. Richard Koch, from the UK Cards Association, explains what further changes are being introduced next month.
Sarah Pennells is joined by our Young Money Champion, Amelia Murray of the Telegraph's Personal Finance Team, and Martyn James of the Financial Ombudsman Service, to talk about card payments. Do you know what your rights are when you sign up for a recurrent payment? And what to do when there is a problem? In this edition of Young Money we solve those questions and more.
Sarah Penells is joined by Young Money Champion Kate Palmer from The Telegraph to talk about preparing financially for being a student with bank accounts and credit cards, with expert guests Eri Mountbatton from the National Association of Students (NASMA) and Dan Jones from NatWest.
Sarah Pennells is joined by Telegraph financial journalist Sophie Christie and expert guests from the Money Advice Service and uSwitch to talk about bank accounts and credit cards for students and recent graduates.