FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents | Mortgage Payment Protection | Mortgage Life Insurance | Short Term Income Protection Insurance | Mortgages | Car Insurance | loans | Private Medical Insurance | Travel Insurance | Debt Management | Accident Claims
Credit Card Frequently Asked Questions
Click on the category of FAQ you’re interested in and we’ll show you the full list of questions in that category. Alternatively, you can scroll down to view all the FAQ’s. Then simply Click on any FAQ you want to read.
-
What is credit?
Hot Topics
- What happens when I apply online?
- Many online applications will result in a provisional decision within 20 seconds.
- Why would my credit card application be turned down?
- There are many reasons why your credit card application could be turned down, and these reasons vary between all credit card issuers.
- What APR (Annual Percentage Rate) will I receive?
- APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.
- How can I pay off my balance?
- There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
- 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)?