You could cut your interest and pay back less with a balance transfer card
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By moving your existing card debt to a BT card, you could reduce the amount of interest you pay – usually for a small fee. These cards typically offer a 0% or low interest rate for a set period. But you might need a high credit score to get one.
Find a cardA purchase card can be an affordable way to spread the cost of a big buy you can’t quite afford to pay for in one go. Look out for 0% offers — there are some available up to 31 months (for a small fee). To avoid paying interest, make sure you make at least minimum monthly repayments on time and in full, and stick to any other terms and conditions on the card.
Find a cardEarn rewards, air miles, points and cashback just for doing your everyday shopping. Managed well and used responsibly, rewards cards can provide you with a range of benefits depending on the type of rewards your card offers, how often you use it and how quickly you pay it back. Bear in mind many come with an annual fee and high interest rates.
Find a cardIf you’ve found it hard to get a credit card, these could be a good option. You might have a poor credit history and a low credit score, and/or you haven’t had time to build up your credit record yet. Bear in mind that credit builder cards typically have high APRs, so it’s important to pay your balance off in full each month if you can.
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