Credit card guides

Our credit card guides can help you decide which is the best type of card for your needs, be it a balance transfer, purchase, cashback or reward card. We also explain the legal protection available.

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Section 75: Your free credit card purchase protection

Did you know that when you spend money on your credit card you get extra consumer protection on your purchases? Find out more about Section 75 of the Consumer Credit Act and how it can provide you with additional peace of mind whether you are paying for flights or splurging on a new TV.

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How to apply for a credit card

If you want a new credit card, here is exactly what you need to do to find the best deal for you and apply for it.

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What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

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How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

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How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

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Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

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Woman sitting on sofa looking at two credit cards with her laptop on her legs.

How many credit cards should you have?

Here is how the number of cards you have can affect your finances and credit record, and what you can do about it.

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How to get your first credit card

Here is how to prepare yourself for your first credit card application.

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money credit limit

How do credit card limits work?

Here is everything you need to know about credit card limits.

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Can you really write of your debts - worried couple with bills

Can you really just write off your debts?

You can’t just borrow money and not pay it back. But while writing off your debts for free is not an option, there is help available if you’re struggling to pay back what you owe.

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How to get fee free balance tranfers - woman smiling with credit card

How to get fee-free balance transfers

Fee-free balance transfer credit cards let you move existing card debt to a new credit card without paying a fee. Find out whether this type of plastic could work for you.

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Best way to get airmiles with a credit card - happy man in airport

Best way to get air miles with a credit card

If you’re considering a trip abroad, using the right credit card for your everyday spending throughout the year could make it better. It could give you an upgrade on the plane, discounted flights or even a hotel stay for you and your family. Find out how a credit card with air miles could benefit you

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