If you currently own or plan to acquire a credit card in the UK, it is essential that you understand how they operate. Doing so will enable you to select the card most suitable for your requirements and avoid any unexpected charges.
A credit card is a physical payment device that lets you borrow money from your bank to use for purchases at stores and online. The borrowed amount will be added to a balance that must be repaid according to the conditions of your card agreement.
When applying for a credit card, the provider will require details such as your name, address and date of birth. They also need to see proof of your identity and salary or income.
Your credit card provider will set a limit on how much you can spend. Typically, this limit is around £500 but may be higher if your credit rating is excellent.
Your credit card number is made up of 16-19 digits and unique to you. It will appear on the front of your card along with a sort code beneath it.
Some cards feature an issue number, which begins with 1. Debit cards do not include this in their lengthy credit card number.
Some credit cards will charge interest on the amount owed even if it’s paid off completely before your statement due. Usually, this period lasts anywhere from 20 to 55 days but may extend further.
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