Credit Cards

Your credit score is an indication of your financial behaviour, which lenders scrutinise every time you apply for credit in any form.

In less than a year from now – on March 29, 2019 to be precise – the UK is scheduled to leave the European Union.

If you have ever shared an address with someone, you could be financially associated – which means, in the eyes of the credit reference agencies, that your finances are connected. Credit agencies play a big role in whether you can get approved for credit in the future, so it’s very important to be aware of your financial associations.

Sometimes you can spend so much time trying to improve your credit score that you don’t realise that you might be hurting it instead.

Having your credit card declined is a cringe-worthy moment we’d all prefer to avoid. And there are a number of ways you can trigger a rejection.

The number of people seeking debt advice is rising, and many of them are struggling to pay basic household bills such as council tax and utility bills, a debt charity says.

The way you pay for things with credit cards or debit cards at bricks-and-mortar retailers is a familiar, standardised process. There have been minor tweaks, like the recent adoption of chip cards or getting rid of signatures, but the experience has been fairly consistent.

The finance watchdog, the FCA, is under pressure from MPs and debt charities to put a cap on the interest charges and fees that can be charged on high-cost financial products, such as unarranged bank overdrafts.

Millennials rarely visit their bank, use credit cards sparingly, and prefer to sort out their finances online, according to a new survey.

When you’re planning a holiday, travel and accommodation costs are mostly straightforward – but working out how much you will spend on purchases and making cash withdrawals while you’re there is a lot trickier.