Today's the day you sort out your credit cards

Be 'realistic' about introductory rates

Cardholders are being urged to take a long-term view when looking at the rates being charged on credit cards.

How borrowing Brits can dodge unnecessary interest

Canny Brits finding it hard to make ends meet can borrow money and avoid paying any interest. Here's how.

More turn to payday loans to pay the bills

Many of us are using payday loans to pay bills or holiday deposits. But there are better options out there.

Credit union expansion needed, government study shows

A government study has said that credit union should expand to help local areas boost access to affordable credit.

Capital One offers cashback to those with poor credit ratings

Those with poor credit ratings are being offered an opportunity to earn cashback through a new card.

Credit card reliance continues as consumer lending grows

Brits continue to rely on credit cards and other forms of consumer credit, according to latest figures.

Beware of tempting store card discounts

Store cards offer some tempting initial offers, but most shoppers will get a better deal with cards that keep on rewarding.

Know your credit card rights

The UK Cards Association is making an effort to help credit card holders understand their rights.

Are personal loans becoming as cheap as credit cards?

A new 5.9% personal loan rate is the lowest in five years, as rates plummet.

• Is it OK to spend on my credit card overseas?

  No it is not a good idea, if you spend on your credit card abroad you risk being hit by sneaky fees.

• Should I take out a credit card with my partner?

  This largely depends on the kind of relationship you have and how entwined your finances are.

• Why do I need a credit card?

  The obvious answer is that you can use one to spend with anywhere in the world, but there's more to it than that.

• What happens if I miss a payment or am late with one?

  This can be a very costly financial and emotional thing. Find out why here.

• My credit card rate has just gone up for no reason. What can I do?

  Find out what may have caused this by examining your repayment habits first, then contacting your card provider if need be.

• Help! How do I stop a thief using my credit card?

  Most of the things you are required to do are simple, starting with ensuring your personal details are always secure.

• How do I work out the cost of my credit cards?

  Looking at your monthly statements is the best way to assess how much operating a credit card has cost you.

• Is it a good idea to pay a subscription with my credit card?

  You need to think carefully before agreeing to do this. Getting out of this arrangement may not be as easy as you think.

• How do contactless cards work?

  They boast the new technology that allows you to "wave and pay", although there's a limit to how much you can transact.