Explore more about credit cards
Learn more about the pros and cons of using a credit
card for everyday purchases.
If you are thinking about getting another credit
card our guide can support you.
Need to improve your credit score? Our quick guide can
help you on your credit building journey.
Get the most out of your credit card spending with our
quick tips for using a credit card.
Are you at the end of your balance transfer promotion
period? Our guide explains your options.
Read our guide on how to identify the most common scams
and how to report a scam.
You may have heard the phrase 'arrears'.
But what exactly does it mean?
Take a closer look at how to check your credit score.
How can you spot the most common types of scam.
Learn everything you need to know about credit card refunds.
Learn how a balance transfer works and explore our options.
Going on holiday? Get to grips with how you
can use a credit card outside of the UK.
Airline gone bust? Item arrived faulty?
Learn more about the protection provided by the Consumer Credit Act & section 75.
Learn how to reduce negative impact on your
credit score when considering a balance transfer.
What are the reasons behind a declined credit
card application and what can you do if you application is declined?
Learn the key things to know about
any 0% credit card and how they work.
* Our Shopping Plus balance transfers have a 2.99% fee,
minimum £5. Terms and conditions apply. Don't forget to make at least your minimum payments on time
to keep your promotional rates on balance transfers and purchases and save on interest. We accept
balance transfers from most credit or store cards held with other lenders.
** Our Transfer Plus balance transfers have a 3.49% fee, minimum £5.
Terms and conditions apply. Don't forget to make at least your minimum payments on time to keep your
promotional rates on balance transfers and purchases and save on interest. We accept balance transfers
from most credit or store cards held with other lenders.
*** Based on £77 worth of M&S vouchers, 32 hot drink vouchers,
9 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned
from £300 spend abroad in a local currency annually and points earned from an average monthly spend in
M&S of £46 on an M&S Credit Card.