Cards & Charges

Information about credit cards, debit cards and bank charges. Articles explain how different cards work, comparing options and reclaiming unfair fees.

Choosing a Credit Card

Pick the right credit card by matching it to how you actually pay off your balance each month.

Credit Card Charges

You can claim back unfair credit card charges through the financial ombudsman if your provider won't help.

Debit or Credit Card?

Understand how debit and credit cards work differently so you can pick the right one for your needs.

How Credit Cards Work

Credit cards let you borrow money short-term, but you'll pay interest if you don't clear your balance monthly.

Reclaiming Unfair Bank Charges

Get your unfair bank charges back after the OFT ruled penalty fees were far too high.

Store Cards: Are They Worth it?

Store cards offer initial discounts but often charge interest rates up to 29.9 percent, so they only make sense if you pay the balance off monthly.

Understanding Bank Interest Rates

Understanding APR, EAR and AER helps you spot which bank products actually offer the best deal and avoid overpaying on loans and credit cards.

Unfair and Fair Charges

Banks often charge far more than it actually costs them to process overdrafts, but you may be able to claim that money back.

Why You Should Avoid Using One Credit Card for Everything

Using different credit cards for different purposes saves you money instead of putting everything on one card.