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• 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.

• 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.

• How credit cards work

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

• What are human rights?

  Explains what human rights are and how they are protected by law. Also lists organisations offer further information

• How to get a debt management plan

  Things to think about before you set up a debt management plan. Read about the steps you should follow to get a debt management plan

• 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.

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit.