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• Choosing and applying for a credit card

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

• The costs and charges of credit cards

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

• How Universal Credit is paid

  Find out how Universal Credit is paid. You'll usually get a single payment every month paid directly into your bank, building society or credit union account.

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments.

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel it.

• How credit cards work

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

• Home credit (Doorstep loans)

  Information about what home credit is, checking whether a home credit lender is licensed and how to compare home credit loans products.

• How to apply for Universal Credit

  Find out how to apply for Universal Credit online. Find out more about the questions you need to answer, your ‘to-do list’ and the next steps.