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Cardiau credyd

Using a credit card can be a convenient way to pay for goods and services and give you more choice about where you shop. It can be a cheap way of borrowing money for a short period of time but can work out expensive if you can't pay off the whole amount you owe each month.

On the following pages we tell you about how to use your credit card, what it may cost you and what to do if you run into problems.

If you're struggling with credit card debt

Find out how you can start to clear your credit card debt.

Sut mae cardiau credyd yn gweithio

Information about what credit cards are, how they work, credit limits, interest-free periods and statements.

Dewis cerdyn credyd a cheisio amdano

Information on what to look out for when choosing and applying for a credit card.

Costau a thaliadau cardiau credyd

Information about interest and other charges, which may be incurred when using our credit card, including charges when buying things abroad, or for missed payments.

Problemau gyda chardiau credyd

Information about potential problems with credit cards, including effect on credit rating, fraud and difficulty making repayments.