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 is section 75?

Section 75 of the Consumer Credit Act 1974 will hold your card issuer jointly responsible with whoever you paying for anything that goes wrong. Section 75 applies to all purchases between £100 and £30,000.

This means, for any purchase made with your card, that your card issuer would have to reimburse you if the original person you paid couldn’t or refused to.

Because of this, your credit card is a safe way to pay for items where you have reason to be suspicious of the seller, such as on the internet.

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