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Credit Card Guides

All you need to know about choosing and managing credit cards

Our useful guides cover a range of topics from how to choose a new credit card, the different types of credit card and which might suit you best, to how credit cards work and understanding your credit limit. We also have information about what your credit score means and how this could affect which credit cards you can get. Plus, we’ve plenty of helpful guides on managing credit cards when you’ve got bad credit.

Understanding Credit Cards

What is an apr?

What is an apr?

What is the difference is between a representative and personal annual percentage rate? Read our guide to find out more about these often confused rates

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News & Guides
  • How much does a credit card cost?Millions of us rely on our credit cards, whether it’s to make ends meet each month, help spread the cost of larger purchases, or simply because it’s a safe and secure way to pay
  • What is a balance transfer credit card?Find out more about how balance transfer credit cards work and what’s available.
  • Buy now pay laterBuy now pay later is a popular payment option at the checkout, allowing you to pay for your purchase in instalments so the full amount isn’t paid until ‘later’. Here’s how buy now pay later works and what’s important to consider...
  • How does cashback work on a credit card?Cashback is a way of being rewarded every time you spend on your credit card. But how do cashback credit cards work and are they right for you?
  • What is a credit limit and how are they calculated?Knowing your credit limit can save you from expensive mistakes when it comes to credit card spending
  • What is chargeback and how do I use it?When you buy something with a debit or credit card you are protected through something called chargeback. Our guide explains how it works
  • What is a Continuous Payment Authority (CPA)?Continuous payment authorities are used to pay bills and subscriptions, but how are they different from standing orders and direct debits, and how can you cancel them? Our guide explains more…

Bad Credit

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Choosing a Credit Card

Getting your first credit card

Your first credit card

Find out how to select, and get approved for your first credit card with our helpful guide.
How to apply for a credit card

How to apply for a credit card

Whether it’s a reward or balance transfer card you are after, read our top tips on how to apply for a credit card.
Best credit cards to use abroad

Travel credit cards

Work out your best options for spending abroad. Read our guide to find out more.

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Managing a Credit Card

Credit cards charges

Credit card fees and charges explained

Credit cards can be a useful way of managing your finances, but there can be a charges and fees to watch out for. Our guide explains the different charges and how they work, so you won’t fall foul of them
What is a credit card minimum payment?

What is the minimum payment on a credit card?

A credit card minimum payment is exactly what you’d expect: it’s the minimum you must repay to your card provider every month to avoid extra charges. Your monthly minimum payment is worked out based on your credit card’s APR and the amount you have borrowed
Apple pay

Apple pay

Apple Pay can be a convenient payment option – giving you the option to pay with your iphone or watch, both in store and online. Our guide covers how it works and what to consider

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News & Guides
  • Credit card consolidationCredit cards can be handy for dealing with your finances in a number of ways, one of which is helping you to consolidate your debt to make more manageable. Our guide explains more 
  • Contactless payment cardsWhat is a contactless payment card?
  • Protecting yourself from credit card fraudNo-one wants to fall victim to credit card fraud. The good news is, there are plenty of things we can do to help protect our plastic.
  • Credit card refunds — how do they work?Getting a refund on your credit card isn't as hard as you may fear. Here's what you need to know about credit card refunds.
  • Google payGoogle Pay is a free mobile payment system from Google that allows people to make purchases using their NFC-enabled smartphones, both in person and via apps and websites.
  • Overpaying a credit cardThere aren’t any advantages to overpaying on your credit card, but if it happens in error it’s not usually something to worry about, as our guide explains
  • Financial red flagsMoneySuperMarket looks at some of the UK's biggest financial red flags
  • Building financial confidence How to increase your financial confidence
  • Credit Card MythsThere are lots of misconceptions about credit cards. Our guide can help debunk the myths
  • How to activate a credit cardIf you’ve recently got a credit card, you might be wondering how you can activate it. Our guide explains all you need to know
  • Guide to samsung paySamsung Pay allows you to make contactless payments through Samsung devices. Our guide explains more