If you’ve never had a credit card before, it can be tricky to know where to start. There are loads of cards to choose from and a whole load of jargon to try to get your head around. Plus, if you get things wrong, you could end up in financial trouble. Amelia takes you through the basics and busts the jargon, to help you make this choice.

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W A T C H N E X T

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#creditcards #creditcard #explainervideo

TIME STAMPS

00:00 Getting your first credit card
00:16 What is a credit card and how do they work?
00:57 Why get a credit card?
01:59 Spreading the cost of larger purchases
02:40 Credit cards offer payment protection
03:41 The basics of owning a credit card
04:46 Interest and credit limits explained
05:51 Withdrawing cash and paying bills with your credit card
06:42 How to improve your credit score and eligibility
08:00 What to do if you're rejected for a credit card

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A B O U T A N D Y

Andy Webb is a money blogger and journalist. He runs the award-winning 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.