Two women sat in a cafe looking at a mobile phone.

What is a credit card?

A credit card gives you the option to borrow money straight away, which you’ll then need to pay back later. Of course, there’s more to it than that, so we’ve created a short guide to explain more.

How a credit card works

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Get clued up on credit

Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.

Credit explained

Can’t find what you’re looking for?

Speak to someone

Trained advisers are just a phone call away. Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services might have limited opening hours.

How to contact us

Money worries?

If you’re ever struggling to make credit card payments, please get in touch so we can find a way to help. Our trained advisers can offer support, or you can find useful information online.

Help with money worries

Find a credit card

If you’re in the market for a new credit card, it’s important that you understand what’s involved with an application, and how lending decisions are made.

How to apply for a credit card

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)