Credit cards

Your guide to credit cards

Understanding the basics

Using a credit card

Using a credit card in a shop works in the same way as a debit card, but with debit cards, you’re spending the money that’s in your bank account. With credit cards, you’re borrowing money from your credit card provider that you'll need to pay back.

The total amount you owe on a credit card is made up of your spending, combined with any interest and fees – this amount is referred to as the card’s balance.

It’s important to remember to spend sensibly when using a credit card, and be sure to avoid late payment fees by making sure you have enough income to make your payments on time.

Looking for more help?

See our credit cards

We have a range of credit cards that could meet your needs. See our range and compare the benefits today. Eligibility criteria applies. Over 18s only.

Explore your borrowing options

Not sure whether a credit card, loan or overdraft would be best for you? Our guide can help understand the different types of lending available..

Manage your credit card

Want to know all the details on how to manage your credit card? Look no further.