Explore our types of credit cards

Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.

For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.

Find out how credit cards work

Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.

Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £100 or less.

If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.

APR stands for Annual Percentage Rate.

With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.

Learn more about APR in our credit card guide

Depending on where you apply the timescales will vary. If you apply with us, and your application is successful, you'll receive your card within 5-7 working days.

Section 75 of the Consumer Credit Card Act 1974 is an act that covers purchases made by credit cards.

The effect of Section 75 of the Consumer Credit Act 1974 is that where payments is made for goods or services using a credit card, any claim against the supplier is respect of misrepresentation or breach of contract, he shall have a like claim against the Bank, who, with the supplier, shall be jointly and severally liable to the debtor. 

To be able to raise a claim you have to provide documentation or tangible evidence to prove your claim under this Act.

If your claim is being raised under Section 75 of the consumer credit act it will be nessesary for you to contact the Disputes team for guidence. Regrettably claims of this nature cannot be raised using the online form service. 

To find out more about Section 75 and chargebacks, why not check out our credit card guide?