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Credit Card Guides

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.

How Do Credit Card Limits Work?

Your credit limit affects how much you can borrow on a credit card. We look at what a credit limit is and the factors credit card providers consider when setting them.

How To Get Accepted For A Credit Card

It's easy to apply for a credit card. But how can you increase your chances of getting your credit card application approved?

Managing someone else's balance fusing credit card and phone

Can you transfer a balance from someone else's credit card?

You can transfer a balance from one person's credit card to another. But taking on someone else's debt can be risky.

A picture of two credit cards on top of a laptop keyboard

What is a credit record?

It is a record of your financial history, including details of when you have borrowed money and the repayments you have made. Here is what else it shows.

When should you use a credit card or debit card?

When it comes to credit cards vs. debit cards, is one better than the other? Each has its advantages, so it's useful to know when to use one over the other.

What is a money transfer credit card?

If you want a new credit card, here is exactly what you need to do to apply for it.

One woman giving her credit card with her right to another over the counter in a clothes shop.

What are store cards & are they worth it?

Applying for a store card at your favourite shop might bag you a discount, but there could be a cheaper option. Here's how store cards work and what they cost.

What is a balance transfer credit card?

Balance transfer credit cards allow you to move debt from one card to another. The new card may have 0% interest rate, so you can clear your debt quicker.

Why you should compare travel credit cards

If you want to find the cheapest travel credit card to use on holiday this year, it is important to compare as many as possible to find the best one.

Person ordering online using a laptop and a credit card

What are rewards credit cards?

You can get rewards like shopping vouchers for just spending on some credit cards. Here is how they work and how to choose a card with the rewards you want.

What is a business credit card?

If you run a business or make purchases for the company you work for, a credit card could be the best way to spend. Here's what you need to know about business credit cards.

A person holding a cashback credit card in their hand and using this for payment

How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

How to understand credit card charges

Here are the credit card charges you need to know about and how to avoid them.

A picture of a person holding a credit card, reading the long card number

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

How long does it take to get a credit card?

It can take up to 10 working days for your credit card to arrive in the post. But you may be approved for the card on the same day you apply.

Black woman with boyfriend using credit card to shop online

Can you transfer money from a credit card to your bank account

If you want to borrow a small sum of cash to repay a debt, or clear an overdraft, you can use a money transfer credit card to move cash into your current account.

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.

credit card in a portable credit card reader machine

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.

More on using a credit card for interest free purchases

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.

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.

credit card on the beach by shells, coral and a hat

Can you use a credit card abroad?

You can use credit cards abroad, but it's not as simple or as cheap as using them in the UK. Here is what you need to know before using your credit card overseas.

6 things to buy on Black Friday

If you want to cash in on the Black Friday savings, it's important to have a plan. Knowing what to buy could help you save hundreds of pounds.

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