News and tips on credit cards, loans, mortgages and other money matters

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someone paying contactless with their credit card, with a car dealership in the background

Do you need a credit card to rent a car?

Most UK car hire companies prefer a credit card for deposits, but some accept debit cards with extra checks. Prepaid cards are rarely accepted, so check terms before booking.

Borrowing

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Coloured gauge depicting stages of credit score rating

What is adverse credit?

Learn how bad credit affects you, check your credit history for free, and discover ways to improve your credit score.

Borrowing
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What happens if I overpay my credit card?

Overpaying your credit card leaves you with a credit balance you can spend or refund. It won’t boost your credit score and can tie up your money.

Money Management
Woman looking at her phone and holding up a credit card

APR vs interest rate: What’s the difference?

Understand the difference between APR and interest rate. APR shows the total yearly cost, including fees, while interest rate is just the basic borrowing cost.

Borrowing