Credit Card Guides

Credit cards can help you make purchases, consolidate existing debts and improve your credit rating. But it’s important to use them sensibly and know what’s involved before you apply. These guides are here to help.

a customer smiling and looking at her phone whilst holding a credit card

What is an annual percentage rate (APR)?

The annual percentage rate (APR) is the cost of borrowing money over a year. You’ll see an APR quoted for all kinds of borrowing, including credit cards, mortgages and ...

Woman and partner laughing together, whilst she is sitting down with laptop, holding a credit card in one hand

How to apply for a credit card

Find out the steps involved in getting the right card for you, what you’ll need to apply and how to check if you’re eligible first without affecting your credit score.

A guide to your credit score and how to improve it

Understanding and managing your credit score can help you make sounder financial decisions and increase your chances of getting a loan, credit card and even better ...

a customer smiling and handing over a credit card

Our guide to how credit cards work

Credit cards can be an easy and convenient way to spread the cost of a one-off purchase or for everyday expenses like online shopping or groceries.

11 tips on what to do if you’re worried about overspending on your credit cards

When high living costs hit people’s pockets, it can be tempting to spend more on your credit cards. But it’s all too easy to slip into debt if you don’t manage your ...