How can I protect my Card repayments?

When you apply for a credit card, you will be offer payment protection insurance to pay via your credit card bill.

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How can I keep my credit card secure?: Like anything, a credit card can be stolen or used without your knowledge, so follow these simple rules to keep your credit card secure:
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.
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.
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.
What is Sentinel® Card Protection Insurance?: Losing your credit cards or having them stolen can be a real inconvenience, not to mention a worry – especially if you’re abroad. The Sentinel® Card Protection scheme takes all the worry away, and with just one free phone call from anywhere in the world Sentinel® will immediately inform all your card issuers that you need replacement cards should they be lost or stolen.

This means that if the unexpected happens and you can't pay your credit card bills because of an accident, sickness or involuntary unemployment, the Payment Protection Insurance will cover the monthly payments for you. Cover will be charged as a proportion of your monthly balance, and though costs vary between different credit card companies an average figure would be about 75p per £100 of your monthly statement balance.

As a general rule, if you need to claim on your Payment Protection Cover, the insurance will pay 5% of your outstanding balance after 15 consecutive days and will continue to do so for a period of up to 11 months. In the twelfth month your entire remaining balance will be cleared along with any interest owed. If you or an additional cardholder dies, your insurance will cover the full outstanding balance subject to a maximum of £10,000.

* Terms and conditions will vary for different credit card issuers.