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Your credit card questions answered

Can I get a credit card with bad credit?

Yes, you may be able to get a credit builder card. Used correctly, these cards can help improve your credit rating.

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What is credit card APR?

A card's APR (annual percentage rate) is the total cost of borrowing over a year. It includes the interest rate, plus any standard charges (such as an annual fee).

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How do I apply for a credit card?

The process is usually straightforward - but we've got some tips on what to look out for when applying for a credit card.

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How do credit builder cards work?

Credit builder cards help improve your credit score by giving you a small credit limit. Repaying this on time each month helps prove you're a responsible borrower.

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Want to know more before taking the next step? Explore our handy credit card guides