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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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 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.
Where can I pay my balance?
You can pay your balance in a variety of ways, choose whichever best suits you:
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.
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.