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?
A credit check is when the card issuer looks into your personal history with debt. They will be looking for past instances of good or bad debt repayment and your relationship to anyone who has a history with debt. They will use this information to set your APR and to set a limit to the amount you can borrow.
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Only Finance Ltd is authorised and regulated by the Financial Services Authority, FSA registration number: 466941. Our registered offices are 1 Kings Avenue, Winchmore Hill, London N21 3NA, company number: 05640662. Telephone 0207 377 1805.