What is a credit card?

A credit card gives you the option to borrow money straight away, which you’ll then need to pay back later. Of course, there’s more to it than that, so we’ve created a short guide to explain more.

How a credit card works

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Help with money worries

Help me manage my money

Get clued up on credit

Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.

Credit explained

Can’t find what you’re looking for?

Message us online

Get answers to your everyday banking questions.

Simply sign in to our app or Online Banking and get chatting today.

How to message us

Money worries?

If you’re ever struggling to make credit card payments, please get in touch so we can find a way to help. Our trained advisers can offer support, or you can find useful information online.

Help with money worries

Find a credit card

If you’re in the market for a new credit card, it’s important that you understand what’s involved with an application, and how lending decisions are made.

How to apply for a credit card