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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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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 credit into your current account.

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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.

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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.

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.

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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.

How to use a credit card for your Christmas shopping

UK households typically increase their spending in December. If you plan to spend more money on Christmas this year, use a credit card to make it work for you.

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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.

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How to understand credit card charges

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

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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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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.

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How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

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What is an air miles credit card?

You could earn free flights just by spending on an air miles credit card. Here is how they work and how to pick the right card.