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.

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Where can I pay my balance?: You can pay your balance in a variety of ways, choose whichever best suits you:
Will I get charged Late payment/Overlimit fees?: All credit cards charge you if your payment is overdue.
How much can I Balance Transfer and how long does it take?: Most credit card companies will only allow you to make a minimum of £100 balance transfer either from or to your credit account, because of the administration involved.
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.
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.

If you pay a smaller amount than the outstanding balance then your balance will be charged interest in line with your APR agreement. For all cash transactions, including balance transfers from other credit cards or store cards, interest will be charged from the day of the transaction until you have repaid in full.

You can also avoid paying back interest by choosing a credit card that offers a good introductory rate, for example there are a number of credit cards on the market at the moment that offer a long 0% introductory period – some for as long as 6 – 9 months. In any case, it pays to repay your outstanding balance as soon as possible if you can – saving you a lot of money over time.