Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
If you use and manage a credit card responsibly, it could help to boost your credit score.
Using a credit card and making regular payments, shows you can manage credit responsibly.
If you don’t manage credit carefully, or you carry high debit balances, it could impact your credit score.
How you use and manage a credit card is just one thing which could influence your credit score.
Other factors include whether or not you’re on the electoral register, how often you move and change addresses, how well you manage household bills, and even the credit history of someone you have joint accounts with.
There’s no simple answer, but using a credit card responsibly can help to improve your credit score.