If you’re looking for your first credit card or you’ve got limited credit history, our credit building credit cards could help you gradually build your credit rating.
It’s just important that you understand how they work. If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you can improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating. Take a look at our page on understanding credit to learn more
Are you looking for your first credit card, or do you have a limited credit history?
The credit limit, APR and offer terms may vary with individual circumstances, subject to status.
Great if you’ve built an average credit history and you’re now looking for a balance transfer.
You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.