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Credit Cards Guide

For easy to understand guidance on the different types of credit card and other issues, have a look at our product guides

0% Balance transfers

Some lenders offer credit cards with a 0% balance transfer fee and an interest-free introductory period

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0% Purchases

A 0% purchases offer allows for interest-free purchasing for a set period which is often up to 12 months

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Cashback Credit Cards

A cashback card will literally pay you for spending money. It sounds great doesn't it? Well, essentially, it is.

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Choosing a card

Getting a card from your bank is the easiest option and it is tempting to just go for it

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Coping with bad credit

If you are deemed by credit card issuers as a bad risk and are struggling to get a credit card then your credit rating

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Credit card jargon explained

If you have a debt on a credit card you can often save money by shopping around for a card with a lower interest rate

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Credit card pitfalls

It was touched on in the previous section that you are responsible for your own spending, and furthermore

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How to apply for a credit card

It is not too tricky to apply for a credit card. However, it is definitely worth being patient, making sure that the offer

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Low standard interest rate

If you are not interested in the hassle of chasing offers and constantly switching to ensure that you are benefiting from the very best deal

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Prepaid credit cards

A prepaid credit card is similar in principle to a pay-as-you go phone. It allows you to load your card with cash

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Reward and loyalty schemes

A card with this type of scheme is attractive for the same reasons as a cashback card, spending money equals rewards

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Student credit cards

Student credit cards are offered because standard credit cards are only available to those with a stable income

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Supermarket credit cards

Credit cards that are offered by supermarkets such as Asda, Tesco, Marks and Spencer and Sainsbury's

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Using a credit card

It is mentioned in the first two sub sections of this guide that credit cards are a tool of convenience and no apologies

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Using your credit card abroad

If, for whatever reason, you frequently use your credit card overseas then a badly chosen card could lead to you constantly shelling out

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What are credit cards?

The first credit card in the UK was launched in 1966 by Barclaycard. Initially credit cards worked the same way as charge cards

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What is a credit report?

Information on your credit report is used by lenders to determine whether or not they would like to grant you credit

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