How to improve your credit score
Building a good credit score, also known as a credit rating, is crucial because it can affect your ability to borrow money or access products such as credit cards or loans. You can check your score fo...
Building a good credit score, also known as a credit rating, is crucial because it can affect your ability to borrow money or access products such as credit cards or loans. You can check your score fo...
If you’ve been turned down for a credit card or loan there are steps you can take to understand why. There are also things you should avoid doing which could make it even harder ...
If you’ve had charges added for late or missed credit card payments or for going over your credit card limit you might be able to reclaim some of them, particularly if you’re struggling with debt....
Paying by credit card can be convenient, but it also gives you added legal protection if the company you’re buying from goes bust or doesn’t deliver what it’s promised. You might also get som...
Getting a credit card can be exciting, but you need to choose wisely and apply with care. Find out about choosing the right card for you, and how to make a successful application without damaging yo...
Handle with care. That’s the most important thing to know about store cards. They can be useful if you’re disciplined enough to always pay back what you owe each month, but if not they can be expe...
Used well, a credit card is a secure and flexible way to pay and can be a good way to spread the cost of major purchases. But if you only make minimum payments or run up a bill you can’t pay back, c...
When it comes to spending, borrowing and avoiding charges, each type of payment card has different pros and cons. This guide tells you more about the main options. ...
If you don’t have enough money in your account, credit card cheques might seem like a great option if the shop or tradesman doesn’t accept credit cards. However, they are likely to leave you in a ...
Balance transfers can help you to lower the cost of your credit card borrowings and consolidate multiple debts. They could potentially help you lower your outgoings as well....
Credit cards can be a handy way to borrow if you use them in the right way - but get it wrong and you could find that your debts spiral out of control if you’re not paying off your balance in full o...
Before giving a loan, payday lenders might ask you to agree to a recurring payment (also known as a continuous payment authority or CPA). It’s important to make sure you understand how these work be...
If you’re looking for a credit card, then comparison websites can be helpful. But do you know the difference between a best buy table and a ‘whole of market’ search? Or that a best buy table mig...
There are many different forms of in-store finance, each with ‘buy now and pay later’ offers. They’re often promoted in a way to attract you into taking them out but make sure you know what you
When you shop using a catalogue you will normally be offered the option of spreading your payments over a period of time. This can make large purchases seem more affordable. But if you’re not discip...
Cashback credit cards offer you the chance to earn cash from the money you spend, by paying you a percentage back or giving you reward points. What is cashback?...
Using a credit card for your spending can have many benefits, from added legal protection to cashback or collecting loyalty points at your favourite retailer. However, credit card debt can quickly mou...
If you have a credit card or overdraft but want to increase your credit limit, how can you go about it? This guide looks at what you can do to increase your limit and, more importantly, whether or not...
Have you ever wondered how a bank or other lender decides whether to give you credit? One of the tools they use is your credit report. This tells them about your credit history and helps them assess h...
To be accepted for a credit card, personal loan, mortgage, overdraft or most other forms of credit in the UK, you will usually need to have a good credit history (and credit score). Find out how to st...
When you’re borrowing money, it’s important to understand how much the different options cost and how they work. You also need to know how those costs vary depending on how long you want to ...
If you want to qualify for the most competitive loan and credit card rates then you need a good credit rating. What’s more, you need it to stay that way. This guide explains why....
Charge cards and credit cards are similar, but not the same. So, if you’re not sure whether a credit card or a charge card is right for you, here are the pros and cons of getting a charge card befor...
Comparison websites can be helpful to help you find the right credit card. You’ll need to know the difference between a best buy table and a ‘whole of market’ search first though. Also, be...