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Using a credit card can be a useful way of doing your shopping, making online purchases, or making purchases abroad.
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A credit card can be very a convenient method of payment and can especially be useful in times of emergencies.
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There are various considerations when assessing the cost of credit, including the APR and any fees and charges.
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Card issuers will sometimes offer you a lower rate of interest if you swap your balance from your existing card onto one of their cards. This is called a balance transfer.
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Managing your credit card well can not only help you budget and prevent you from getting into debt, but can be a way to keep a good credit history.
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To prevent fraud, it is important to keep your card safe, and report any suspicions of misuse, theft or loss immediately.
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In debt and need help?
Call a CCCS counsellor on 0800 138 1111.
