Credit Cards Knowledge Hub

Credit card basics FAQ

Want to know how credit cards work or whether they'll work for you? We tackle the most frequently asked basic questions about credit cards including how they work, how to use them and how to choose the right one.

What is a credit card?

How do credit cards work?

Who provides credit cards?

Does it matter whether my card is Visa, MasterCard or American Express?

How does interest work on credit cards?

What is credit card 'APR'?

How do '0%' and 'interest free' periods work?

How do repayments on credit cards work?

Which of my debts do my credit card repayments go towards?

What fees and charges do I have to pay on my credit card?

Can missed repayments and credit card charges affect my credit profile?

Can having a credit card improve my credit profile?

How do I choose the right credit card?

Who can get a credit card?

Will I be accepted for a credit card?

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