Choosing the right card for you

The credit card is a marvellous convenience, but it's important to choose one that suits your financial needs. Barclaycard is a responsible lender, but you need to make sure for yourself that you'll be able to make the repayments.

You can simplify the decision by asking yourself two basic questions:

• Why do you want the credit card?
• How do you intend to use it?

Getting advice

There is plenty of free, impartial advice available which explains how credit cards work, what you need to think about when choosing a card and the best way to use credit.

APACS, the UK payments association, offers free and impartial guides to credit cards. You can find them at this website: www.choosingandusing.com.

Alternatively you can download the guides here:

• APACS Choosing a credit card guide PDF†
• APACS Using a credit card guide PDF†
• APACS Understanding your credit card statement PDF†

†Software Requirements
To view PDF files you will need Adobe Acrobat Reader TM, which is available from www.adobe.com.
Adobe, Acrobat and Acrobat reader are trademarks of Adobe Systems Incorporated.