Credit Card Guides

A credit card is a type of loan where the money you spend is borrowed from the card provider rather than taken from your bank account

Credit cards are a great way to spread the cost of big purchases or even get useful perks – but there are risks. Read our guide to find out if a credit card is right for you

A new credit card might be a great option, but they don’t suit everyone. Our guide looks at the things to consider before applying

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

Credit cards can be a helpful tool for managing your finances. Our guide explains more so you can decide if a card is right for you

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

Balance transfer cards help you manage your money by moving debts to a lower interest rate. Our guide explains how balance transfer cards work and what to watch out for

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...

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?

Knowing your credit limit can save you from expensive mistakes when it comes to credit card spending

When you buy something with a debit or credit card you are protected through something called chargeback. Our guide explains how it works

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…

Easy-to-get credit cards are perfect for people with lower credit scores. Finding a card with poor credit can be tough, but easy-to-get credit cards are available here.

Get a credit card and avoid rejections that could harm your credit score – even if you’ve been declined in the past

Looking to improve your credit score but not sure where to start? This guide shows how finding the right credit card can help increase your credit rating...

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

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?

If you've been turned down for credit there are steps you can take to find out why and help improve your credit score

If you’re struggling with debt on your credit cards our guide explains your options and the steps you can take to pay it off 

Lenders use credit scores to check you can manage debt. This useful information reflects how you’ve used credit in the past

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?

Make the most of your first credit card by choosing a card that best suits your needs

There’s a huge array of credit card options on the market. Whether it’s a credit card that offers cashback or one that offers 0% on purchases, it’s crucial to know what to look out for when applying for credit

Credit cards are a useful tool for managing your money and there’s a wide range of different types to suit different needs. Our guide can help you decide which is right for you

Travel credit cards can be a great way to spend on holiday, but if you choose the wrong one, you could be hit by sneaky fees and charges. Our guide covers how travel credit cards work and what to look out for...

Wondering how long it will take you to get a credit card? Our guide covers the credit card application process and how long it should take for you to be approved

Finished studying and looking for a credit card? Our guide explains the options to help you make the right choice

Our guide to how a cash advance works, what counts as a cash advance and what it might cost you

A charge card is a plastic card that can be used to pay for goods and services. It looks like a credit card – but it works in a different way. Our guide explains all you need to know about charge cards, who they suit, the costs, plus the pros and cons - comparing them to other types of borrowing.

The type of credit card you can get will depend on your personal circumstances. Here’s how to find the right card for you

Credit cards can give you flexibility with your spending, help you clear debt more easily, build your credit profile and earn rewards. Some cards are even designed specifically for students

Rewards credit cards offer returns on your everyday spend including cashback, points and air miles. Find out how to choose the best rewards card to suit you

Cashback credit cards reward savvy spenders for purchases they make, but with plenty of choice and different rates and incentives, which one is right for you? 

Paying for goods and services with a credit card offers protection if something goes wrong. Under Section 75 of consumer credit law in many cases you’ll be able to claim your money back. Our guide explains more

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

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 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

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 payments have become an increasingly popular way to pay at the checkout. Here, we cover how contactless payments work on credit and debit cards

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.

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 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.

Credit cards can be a useful budgeting tool, but is it a good idea to have more than one and will it damage your credit rating? Our guide explains