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How much will I have to pay each month?: How much you have to pay back each month depends entirely on how much you owe – however the general rule for most credit card companies is that you either make a minimum payment of 2% of the balance or £5, whichever is the higher figure.
Will I have to pay interest each month?: You can avoid paying any interest by always paying your balance in full and on time each month.
How do I make Cash withdrawals?: You can withdraw cash from any cash machine, just like you can withdraw cash from your own bank account.
What is the new Chip and Pin system?: The new Chip and PIN initiative is a system being introduced in the UK in 2004 to reduce counterfeit and stolen card fraud.
How much can I Balance Transfer and how long does it take?: Most credit card companies will only allow you to make a minimum of £100 balance transfer either from or to your credit account, because of the administration involved.

How do I contact the Credit Reference Agencies?

You can request your credit report online, by phone or online. It costs £2 for a copy of your statutory credit report. Here are the details for the three main credit reference agencies.

To contact Experian:

Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX

Tel: 0870 241 6212
www.uk.experian.com

To contact Equifax:

Equifax Credit File Advice Centre
P.O. Box 1140
Bradford
BD1 5US

Tel: 0845 600 1772
www.equifax.co.uk

To contact Call Credit:

Consumer Services Team
Callcredit plc
PO Box 491
Leeds LS3 1WZ

Tel: 0113 244 1555
www.callcredit.plc.uk

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