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.

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.

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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 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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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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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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Different cards explained - Bunch of credit cards

Different credit cards explained

There are several types of credit card, from student to cashback cards, and each has a specific purpose. Read our guide to find out how they differ and which credit card is best for you.

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How to cancel a credit card

There are a number of reasons you might want to cancel a credit card. Find out how to go about closing your account and what to watch out for.

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IVAs explained

An IVA, or individual voluntary arrangement, is a legally binding agreement between you and any company to whom you are in debt. It sets out how and when you will pay back what is owed.

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