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Support with the cost of living

As living costs rise, keeping on top of your money might be worrying. We can help you manage your payments and provide some useful tips and tools.

Help with money worries

Help me manage my money

What is a credit card?

In simple terms, a credit card gives you the option to borrow money which you’ll pay back later, but of course there’s more to it than that. We’ve created a short guide to highlight the basics.

How a credit card works

Understanding credit

Your credit score can affect what credit cards and rates you're offered. Learn more about how credit works and how it might impact applying for a card.

What is a credit score?

What is a good credit score?

How to improve your credit score

Check your credit score

Understanding credit

Looking for a new credit card?

If you’re considering a new credit card, it’s important to understand what’s involved with an application and how lending decisions are made. We’ve created a short guide, which should help you.

How to apply for a credit card

Can't find what you're looking for?

Of course, there are times when you just need to speak to someone.

Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services are only available within set hours. Visit our contact us page for more details.

Contact us

Help with money worries

If you’re ever experiencing money worries, please let us know so we can find a way to help.

Help with money worries

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you, the borrower.

Download the statement of responsibilities (PDF 60kb)