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Credit cards

Manage your cash flow and make purchases you’ll pay off later. Find out more about our credit cards and the guidance we offer

Making the most of a credit card

How to get your first credit card
Get tips on how to get started if you haven't had a credit card before.
How to check your credit report
Learn how to check your credit report through a credit reference agency such as Experian, Equifax or TransUnion.
How do credit cards work?
Read tips on how to choose a card to suit your needs - and how to get the most from one.
How to avoid credit card charges
Read our guide to the different types of credit card charge and how you can avoid paying them.
How many credit cards should you have?
There's no magic number, but see what the considerations are before taking out another credit card.
Using your credit card overseas
Discover tips for using your credit card while travelling so you can stay safe and reduce any fees and charges.
Hard vs soft credit checks: what's the difference?
Soft credit checks aren't visible to companies, but hard checks are. Find out more.
Does a balance transfer affect your credit score?
Find out how a balance transfer can affect your credit score in different ways over the short and long term.
Credit cards vs debit cards: What's the difference?
Find out the key differences between using credit and debit cards, whether you're using them online or in shops.
5 common credit card myths
Unpack some of the common misunderstandings people have when it comes to credit cards.
What protection do you get with a credit card?
Learn why online shopping is in some ways safer with a credit card because you get more protection.