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Once you’ve got a credit card, of course it’s useful to know how to get the best out of it.
Paying for goods or services with a card is pretty familiar to most people. Using a credit card gives you the option to spread the cost of large or unexpected purchases, or just to manage your everyday spending.
Just remember, you may need your credit card PIN to complete a transaction.
Contactless is an easy and secure way to make card payments of up to £100, usually without entering your PIN. This is available at a growing number of retailers and service providers around the world.
You can also add your card details to compatible devices to use Apple Pay and Google Pay.
If you don’t want a £100 contactless payment limit, you can change it using our app.
Shopping online offers you convenience and choice, but it’s important you know who you’re buying from, how to keep your information safe and about any additional costs.
There are several reasons why your card or transaction may have been declined. See all the possible explanations, which may help you resolve it quickly.
You could move your balances from other credit and some store cards, to a single card. With everything in one place, your finances should be easier to manage. Transfer fees may apply.
If the option is available, with a money transfer you could move funds to your UK current account, helping you to spread the cost of unexpected bills, or for cash only purchases. Transfer fees may apply.
Your credit card can be a great addition to your wallet when you travel, but it’s important to understand what additional fees may apply when you use your card outside the UK.
You can use your credit card to take cash out at an ATM, over the counter, at a bureau de change and for other cash type transactions.
This is usually the most expensive way to use your credit card, so you may want to limit it to emergencies only.
Important legal information
Apple, the Apple Logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and the Google Pay and Google Play logos are trademarks of Google Inc.