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22 May, 18:22

What are the things you must do in the order to get full credit for the day?

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  1. 22 May, 19:36
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    You need to make at least the minimum payment each month, even during an interest-free period. Set up a Direct Debit for the full monthly balance, or for as much as you can afford to repay. This will mean you don't miss a payment, which could lead to unwanted charges and the loss of any introductory rate. Missing payments could also damage your credit rating.

    You'll have a credit assessment by the card provider when you apply, which will usually include checking your credit reference file. A good credit rating will improve your chances of a successful credit application. It could also give you access to cards offering the lowest interest rates and/or promotional offers.

    You need to be at least 18 to apply for a credit card. With some cards the minimum age is 21.
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