Why do I need Credit?

There are a number of benefits associated with paying by credit as opposed to cash or cheques:

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Am I Eligible To Apply For A Card?
If you meet the following criteria then you are eligible to apply for a credit card in the UK:
How do I use Credit card cheques?
When you receive your credit card, you will also receive some credit card cheques in the post.
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.
Can I Have An Additional Cardholder On My Account?
You can have one or more additional Cardholders on your credit card account with most companies.
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.
Convenient, stress-free shopping — using a credit card to make a purchase is so simple and easy, all you need is your signature and there’s no need to carry a load of cash.

Internet and catalogue shopping — invaluable when purchasing over the phone and the Internet, using a credit card is currently almost the only way to make international Internet purchases.

Emergency protection — anything could happen and when it does, it will be a lot less stressful if you have a credit card to hand.

Easier budgeting —make purchases and pay them off on a schedule that fits your budget using a credit card.

Security —if you lose a credit card and report the loss to the card's issuer before it is used, you will not be held responsible for any unauthorised charges. If you lose cash, you probably won’t ever see that money again.

Travel expenses — when abroad, you’ll find that a credit card is almost essential for renting a car, purchasing an aeroplane ticket, or booking a hotel room. Outside the UK, your credit card is the universal guarantee of your good financial standing, and if you do need cash, you can always obtain it at ATMs or banks around the world that accept your credit card.