A good credit history and credit score help to get lenders to say yes to your application. That’s why it’s so important to understand what can affect it.Read more about improving your credit score
If you want to use a credit card to borrow money to buy things, make sure you’ll be able to pay at least the minimum monthly payments. You should always make sure that you understand the fees and interest rates, including the purchase rate.Learn how to choose a credit card
Having ‘bad credit’ makes it harder for you to get access to the credit you need. So you’re more likely to get turned down for things like mortgages, credit cards and loans.
But what causes bad credit and what should you do if you’re worried about it?
Credit cards are a convenient, flexible way to make purchases when used sensibly, but it’s important you stay on top of your spending – and we offer a range of ways to help you take care of your account. Whether it’s managing your money on the go, or setting up a Direct Debit, we make things simple and straightforward.Learn more about managing your account
Here are some of the costs of credit cards explained. If you’re interested in a particular card, you’ll find more specific charges in its terms and conditions or card summary.More about credit card costs
Your credit history gives lenders an idea of how you’ve handled your finances in the past – and helps them assess your application.
So whether you’ve recently been turned down for credit or just want to apply in the future – take a look at some of the simple ways you could help improve your credit history.