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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
  • Why use a credit card? Credit cards come in all shapes & sizes, finding one that suits you can make a world of difference to your pocket.
  • 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? Find out more about how balance transfer credit cards work and what’s available.
  • What is buy now pay later? Buy 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...
  • What is cashback? 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? Knowing your credit limit can save you from expensive mistakes when it comes to credit card spending
  • What is chargeback 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 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

Credit cards for unemployed

Credit cards for unemployed

If you’re out of work and not earning you might think that you won’t be able to get a credit card. But that’s not always the case as our guide explains

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  • Multiple credit cards Credit cards can be handy to manage your finances, but is it a good idea to have more than one and will it damage your credit rating?
  • Refused credit If you've been turned down for credit there are steps you can take to find out why and help improve your credit score
  • Easy ways to tackle credit card debt Clear your credit cards in no time with these handy tips.
  • What is a good credit score? Your credit score is what lenders use to decide whether you can manage debt. Find out about credit checks and scores.
  • Buy now pay later and bad credit Buy now pay later allows you to make purchases but hand over the money at a future date. But can you use a payment plan like this if you’ve got a poor credit rating?

Choosing a Credit Card

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Managing a Credit Card

Credit cards charges

Credit cards charges

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 a credit card minimum payment?

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 interest rate (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 consolidation Credit 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 cards What is a contactless payment card?
  • Credit cards security No-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 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 pay Google 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 card There 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 flags MoneySuperMarket looks at some of the UK's biggest financial red flags
  • Building financial confidence How to increase your financial confidence
  • Credit Card Myths There are lots of misconceptions about credit cards. Our guide can help debunk the myths
  • How to activate a credit card If 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 pay Samsung Pay allows you to make contactless payments through Samsung devices. Our guide explains more