Why do I need Credit?

Hot Topics

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:
What happens when I apply online?: Many online applications will result in a provisional decision within 20 seconds.
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.
What is a credit report?: When you apply for credit, your credit history will be checked out before approving your application – and your credit card issuer will refer to one of the independent credit reference agencies.
How do I use Credit card cheques?: When you receive your credit card, you will also receive some credit card cheques in the post.

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

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.

-- Please Note --
This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.