Debt-to-income ratio explainedWhat does debt-to-income ratio mean? How do lenders use it to make decisions on your credit-worthiness? And how you improve yours? Read on and we'll fill you in.
What is credit utilisation ratio?Your credit utilisation ratio affects your credit score. Our guide explains how it's worked out and what ratio will help your credit rating
Credit explainedCredit can be confusing; our guide takes a deep dive into how credit scores are calculated. We also explain the bandings across the different credit reference agencies so you can make sense of your score.
What is a credit report?A good credit score can help you get better deals on loans and mortgages. But what exactly is a credit report? And how does it work?
How Long Do CCJs or Bankruptcy Remain On My Credit File? If you’re subject to a county court judgement (CCJ), individual voluntary arrangement (IVA) or have been declared bankrupt, removing such details from your credit file can take time. Read on and we’ll explain what you can do to ensure you keep access to credit if you have a CCJ, and how CCJs affect your credit rating.
IS 700 a good credit score?MoneySuperMarket explains what your borrowing options are if you have 700 credit score.
Is 600 a good credit score?MoneySuperMarket explains what your borrowing options are if you have 600 credit score.
Is 500 a good credit score?MoneySuperMarket explains what your borrowing options are if you have 500 credit score.
Is 400 a good credit score?MoneySuperMarket explains what your borrowing options are if you have 400 credit score.
What is a good credit score?A good credit score usually means lenders will offer you better deals and lower interest rates. But what is a good score and how can you improve yours?
How to improve your credit scoreLenders look at your credit score to see how reliable you’ve been with credit in the past. Our guide coves how to build and improve your score – so you’ll have access to a wider range of cards, loans and mortgages
What affects your credit score?Your credit score determines whether you’ll be offered the best deals for mortgages, loans and credit cards, so knowing how your financial decisions affect it can be very useful
Soft and Hard Credit Checks Explained Our guides explains the difference between hard and soft credit checks and how best to protect your credit score when applying for a credit card or loan
Multiple credit cardsCredit 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?
Credit card interest calculatorIf you’ve got an outstanding balance on your credit card, our handy interest and repayment calculator will help you work out how long it will take to pay it off based on your APR and monthly payments...
Credit cards for the self-employed and sole-traders
When applying for a credit card, you will have to provide details of your salary. This might be a bit trickier to do when you’re self-employed and your earnings fluctuate, but shouldn’t stop a successful application
Premium credit cardsPremium credit cards come with a host of luxurious benefits but charge a costly fee. Read on to find out if this could be the right credit card for you
Credit card fees and charges explainedCredit cards are a useful way of managing your finances, but there can be 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
Protecting yourself from credit card fraudCredit cards can be handy for managing our finances, but in the wrong hands there can be dire consequences. Find out how to keep your plastic safe and secure
How much does a credit card cost?Credit cards can help you manage your money, but they can also come with costs such as interest rate charges and late payment fees. Our guide explains more.
What are guaranteed cards for bad credit? Our guide explains how to apply for a credit card without fear of being turned down and seeing your credit rating damaged – even if you have bad credit
Credit card numbers explainedYou probably think you should know what all the numbers mean on a credit card, but why would you if you’ve never had one before? Our guide breaks it down for you.
Should I get a credit card or a loan?Both a loan or a credit card can be an option if you need some additional funds. The correct choice for you will depend on your circumstances and goals, as our guide explains.
Credit card statements A credit card statement should tell you everything you need to know about how you’ve used your card, including what you’ve spent, how much you owe, the interest rates and when you need to pay it off
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…
How to make contactless paymentsContactless payments are an increasingly popular way to pay. Here we cover how ‘tap and go’ works on credit and debit cards, the limits on spending, and what happens if your card is stolen.
Credit cards vs debit cards – which is safer?Credit and debit cards can both be useful money management tools. Our handy guide explains the key differences between them and what to be careful of
Credit card consolidationUsing a balance transfer credit card is a popular way to consolidate debt and can make it easier and cheaper to pay off. Our guide explains how it works
How to activate a credit cardIf you’ve had your credit card application accepted, the next step is to activate it. Our guide explains all you need to know
Can I get a credit card?Looking to get a credit card for the first time? Or in the market for a new card to go alongside an existing one? Our guide will explain how to get a credit card to suit your needs and how to improve your chances of being approved.
How to pay off credit card debt more quicklyStruggling with debt on your credit cards? Our guide explains your options and the steps you can take to avoid high interest payments and clear your balance faster pay it off more quickly
Cash advance credit cardsOur guide to how a cash advance works, what counts as a cash advance and what it might cost you
Joint credit cardsHow do joint credit cards work in the UK, is it worth getting one, and who is responsible for paying off the balance? Find out more...
How Section 75 protects your credit card purchasesPaying for goods and services with a credit card offers you extra financial 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 what you need to know.
High limit credit cardsHaving a high limit credit card might sound appealing because it gives you more flexibility with your finances. But how can you get one in the UK and how do they work?
Cancel a credit cardIf you’re no longer using a credit card, you might think it’s sensible to cancel it. But how do you go about it and is it a good idea?
Using Buy Now Pay Later with a bad credit scoreBuy Now Pay Later allows you to make a purchase but pay for it at a later date. But can you use a payment plan like this if you’ve got a poor credit rating? We take a look...
What is Apple Pay and how can I use it?Apple Pay can be a convenient payment option – giving you the option to pay with your iPhone, iPad or Apple Watch, both in store and online. Our guide covers how it works and what 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?
Business credit cardsA business credit card could make your financial admin easier and offer benefits, from travel insurance and cashback, to 0% interest on purchases for a time.
What is a credit card?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.
Why was I declined for a credit card?If you've been turned down for credit there are steps you can take to find out why and measures you can put in place to help your chances of being approved in the future.
How to apply for a credit cardApplying for a credit card can seem complicated if you’ve never gone through a credit card application before. Here we cover how to get a credit card from choosing a provider to putting yourself in position to get the best deal.
Overpaying a credit cardThere’s no need to overpay on your credit card. But there’s no cause for concern if it happens by mistake, as our guide explains.
Buy now pay laterThe popular payment option allows you to make purchases faster and then pay them off over time. But is it a smart or risky way of shopping? Our guide explains how it works.
Can you get a credit card if you're 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
Should I get a credit card?Credit cards offer convenience, rewards, the opportunity to repair your credit file and even the chance to reduce debt. But it's essential to understand the ins and outs before applying.
What credit cards are the easiest to get?Finding a credit card with poor credit can be tough, but some cards are easier to get than others. Our guide explains more.
What type of credit card is best for me?Credit cards offer convenience, rewards, the opportunity to repair your credit file and even the chance to reduce debt. But it's essential to understand the ins and outs before applying.
Your first credit cardMake the most of your first credit card by finding a card that suits your needs and won’t push you into unmanageable debt
Student credit cardsCredit 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.
How to transfer a credit card balanceTransferring a credit card balance can be a great way to cut interest repayments and clear your credit card debt faster. Our guide explains more
What is a balance transfer credit card?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
Advantages and disadvantages of credit cardsCredit 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