Credit and Store Cards

Understand how credit and store cards work, your protections when using them, and your rights if things go wrong. Find guidance on disputing charges and managing debt responsibly.

Additional Guarantees on Credit Cards

You might believe that using your credit card to buy something simply gives you the same rights as if you'd used cash. It does give you those rights, but it...

Getting Credit When You Have a Bad Record

When money is tight, it can be hard to find extra cash for the little things (and big things) that tend to crop up just when we can’t afford to pay for the...

In Trouble With Credit?

Things are getting tight for a lot of people, and when the credit crunch starts to really take effect, there’s a temptation to turn to loan sharks or other...

Loyalty Cards: What to Expect

The loyalty card has been part of the British shopping experience since 1995 when Tesco introduced the ClubCard, and around 85% of British households have at...

Top Tips on Making Credit Work for You

Christmas can be an expensive time for all of us and the temptation is always there to over spend now and worry about it later. If you are going to be spoili...

What Security Do Credit Cards Offer?

Credit cards can be a boon, letting you buy something and offering a grace period before you need to pay it off in full, or giving you the option of paying o...

What to do if You are Rejected for a Credit Card

It can seem crushing if you're turned down for a credit card. After all, it's a reflection on your finances and ability to pay your bills. These days, even p...

Why Store Cards Are A Bad Deal

Many stores offer their own store cards these days, allowing you to buy from them on credit. Store credit cards can seem like an excellent idea, especially i...