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Credit Card Frequently Asked Questions
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What is credit?
Hot Topics
- Why do I need Credit?
- There are a number of benefits associated with paying by credit as opposed to cash or cheques:
- How can I protect myself when buying online?
- As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
- How do I use Credit card cheques?
- When you receive your credit card, you will also receive some credit card cheques in the post.
- What is a Balance Transfer?
- Transferring balances has become a popular and easy way to consolidate multiple card balances in one place, while simultaneously making significant savings on interest payments.
- Why is it worth making a Balance Transfer?
- If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.
- Why do I need credit?
- Am I eligible to apply for a Card?
- What happens when I apply online?
- How can I keep my credit card secure?
- How can I protect myself when buying online?
- Why would my credit card application be turned down?
- What is a credit report?
- What is credit scoring?
- How can I improve my credit rating?
- What APR (Annual Percentage Rate) will I receive?
- How is interest calculated?
- Where can I pay my balance?
- How can I pay off my balance?
- How much will I have to pay each month?
- Will I get charged Late payment/Overlimit fees?
- Will I have to pay interest each month?
- What is Direct Debit?
- How do I use credit card cheques?
- How do I make cash withdrawals?
- Can I have an additional cardholder on my account?
- Can I use my card abroad?
- What is the new Chip and Pin system?
- What is a balance transfer?
- Why is it worth making a balance transfer?
- How much can I balance transfer and how long does it take?
- Can I request a specific credit limit?
- How can I protect my Card payments?
- My credit card is lost or stolen. What should I do?
- What is Sentinel Card Protection Insurance?
- What is the DPA (Data Protection Act 1998)?