Whenever I write or talk about credit cards, there are a handful of things I always say. Always. That's because they're vital rules that mean a credit card can help your finances rather than cause harm.

There are plenty more things to understand, especially when you're looking at different types of credit card, but these are the essential basics.

W A T C H N E X T

Best credit cards    • Best Credit Cards for 2022 (UK)  

#creditcards #cashback #applyforcreditcard

00:00 1: Do you need a credit card? (the pros & cons)
06:40 2: Check you're eligible before applying
11:30 3: Pay off on time and in full

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A B O U T A N D Y

Andy Webb is a money blogger and journalist. He runs the awardwinning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com.

DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.