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Ian Hutchinson

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Review of the American Express, British Airways Credit Card:

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Enticing, but not completely convinced

BA and Amex offer an irresistible offer for sensible lenders to earn Avios points for their everyday purchases. They had a fantastic opening offer, giving me 9,000 points if I spent a certain amount in my first few months -- enough now for a return trip somewhere in Europe. Points come in slowly after this though, and I'm yet to know if the points will be worth something more than a simple jaunt to Europe for one. App and integration with Apple Pay is better than with Lloyds Bank's cards. Reviewed on: 31st May 2017

Review of the Zopa, Personal Loan:

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The big banks need to catch on

Zopa is an affordable, fair and well put together way to take out a loan. Recently coming out of education and now in full-time work, I needed some extra money to be more flexible as I start a career. Zopa offered the loan I needed, at a rate that beats the high street banks. Their service was simple to use, and I had access to the money in a reasonable time. Reviewed on: 31st May 2017

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