CREDIT CARD GUIDES
Expert advice to help you master credit cards, maximize rewards, and avoid costly mistakes
Interest & Fees
Rewards & Cashback
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How Does Credit Card Interest Work?
Complete guide to understanding APR, daily interest calculations, and proven strategies to avoid paying interest on your credit cards.
Do Students Need a Credit Card UK?
Not essential, but helpful. Student credit cards can build credit history, offer fraud protection, and teach money management—if used responsibly.
How Do 0% Balance Transfers Work UK?
Transfer existing credit card debt to a new card with 0% interest for up to 29 months. Pay a 2-4% fee upfront, then clear debt interest-free.
What Credit Score Do You Need for a Credit Card UK?
Minimum scores by card type: Credit builder cards accept 300+, standard cards need 670+, and premium cards require 720+. Learn which cards you qualify for.
Can International Students Get Credit Cards UK?
Yes, but it's harder. International students can get UK credit cards with a UK address, bank account, and visa longer than 12 months. Expect low limits.
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