Category: Credit Card
Hard vs soft credit checks – what’s the difference?
Not sure what a hard or soft credit check means? Find out what each one shows, when they're used, and how they affect your credit score.
6 min read
Credit Card Guides
Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you. Read our well-researched, easy-to-understand guides to become an expert in no time.
- Category: Credit Card
Can you be in credit on a credit card?
Yes, you can be in credit on a credit card — but it isn't always a good thing. Find out what causes a negative balance, how to get your money back, and how long a refund takes.
4 min read
- Category: Credit Card
Does Buy Now Pay Later (BNPL) affect your credit score?
Using BNPL can affect your credit score — but it depends on the provider. Find out how Klarna, Clearpay, and PayPal handle credit reporting, how FCA regulation affects you, and how BNPL could impact a mortgage application.
4 min read
- Category: Credit Card
What happens to your old credit card after a balance transfer?
Your old credit card stays open after a balance transfer — you decide whether to close it or keep it. Here's what to consider, including the impact on your credit score.
3 min read
- Category: Credit Card
Credit cards for students
A student credit card can help you build your credit history from scratch. Find out how they work, what to look for, and how to use one responsibly.
6 min read
- Category: Credit Card
How do refunds on credit cards work?
How long does a credit card refund take? Find out how refunds work, what affects the timing and what you can do if something goes wrong.
5 min read
- Category: Credit Card
Can you get a credit card with a CCJ?
It is possible to get a credit card with a CCJ, but your options will be limited. Find out how a CCJ affects your eligibility, what your options are, and how to apply safely.
5 min read
- Category: Credit Card
Can I get a credit card if I'm unemployed?
You don't need a job to get a credit card, but your options may be more limited. Find out what lenders look for, which cards to consider, and what to watch out for.
6 min read
- Category: Credit Card
Does being on the electoral roll improve your credit score?
Being on the electoral roll will boost your credit score. Find out how to get on the electoral roll and how to check your voting registration shows on your credit report.
5 min read
