Search

• 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.

• 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.

• 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.

• Choosing and applying for a credit card

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

• 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.

• What to do after a death

  Information on registering a death, arranging a funeral, dealing with property and organisations which can provide further help and counselling

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• Getting help with home improvements

  Check the types of grants and loans you can get to make improvements in your home - including the disabled facilities grant