Below we have outlined the most common questions asked about credit cards.
Please click on a question to get the relevant answer.

What is a credit card?
What is an APR?
What is a credit check?
What happens if I am late to make a repayment or can’t repay a debt?
Which credit card should I choose?
Where can I get a credit card?
What is section 75?
Can/Should I use my card abroad?
What if someone steals my card?

What happens if I am late to make a repayment or can’t repay a debt?

Credit card companies will start to charge you if you’re late at paying back your debts. The longer your debts remain unpaid then the worse your credit rating will be affected.

If you feel you can’t repay your debts try to remain calm and do not ignore the problem. Try to talk to the company you owe money to and tell them about your problems repaying the debt. If you are unable to come to some repayment agreement and your debt is getting out of control.

Please read our debt guide here