Credit Cards guides
Use credit wisely — interest, balance transfers, rewards, credit scores and avoiding the traps.
What Affects Your Credit Score in the UK?
A plain-English guide to what affects your credit score in the UK, from payment history and credit utilisation to the electoral roll, defaults, hard searches and financial associations, plus how the three agencies differ.
Laura Michelle Davis · 3 Jun 2026
How to Improve Your Credit Score (and What You Need for a Mortgage)
A practical, ordered guide on how to improve credit score in the UK, with realistic timeframes, the steps lenders reward, and what credit score you need for a mortgage.
Laura Michelle Davis · 27 May 2026
Credit Utilisation Explained: The 30% Rule and Your Credit Score
A plain-English guide to what credit utilisation is, how the maths works, why the 30% rule matters for your credit score, and simple, practical ways to lower your credit usage in the UK.
Laura Michelle Davis · 25 May 2026
Credit Cards for Building Credit and Bad Credit (UK)
Credit cards for building credit help people with a poor or thin credit file prove they can borrow responsibly. Here is how a credit builder card works, how to use one to lift your score, and the mistakes to avoid.
Laura Michelle Davis · 5 May 2026
0% Balance Transfer Credit Cards Explained (UK 2026)
A 0 balance transfer credit card moves existing card debt to a new card charging no interest for a set period. Here is how it works, how to do a transfer, and the mistakes that cost people money.
Laura Michelle Davis · 28 Apr 2026