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true Credit card APR in the UK sit around 21%
true Monthly repayments
true APR rates as low as 10%

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Credit Cards FAQs

What is a credit card used for?

Credit cards are financial tools that allow consumers to borrow money from a lending institution in order to make purchases. In most cases, credit card companies will extend a line of credit up to a certain amount, and the cardholder will be responsible for repaying the borrowed funds plus any interest and fees. Credit cards can be used for a variety of purposes, including everyday expenses, emergency expenses, and large purchases.

Can I pay someone with a credit card?

In general, you can pay someone with a credit card as long as they accept credit cards as payment. There are a few ways to do this, such as using a credit card to pay online or over the phone, or using a card reader to swipe your credit card in person. Some businesses also allow you to pay with a credit card by entering your card number on their website, which is then processed through their credit card processor. However, there are some exceptions to this rule. For example, you typically cannot use a credit card to pay for items or services that are considered ‘cash equivalents,’ such as gambling chips or money orders. Additionally, some businesses may impose a surcharge for paying with a credit card, so it’s always best to check with the business beforehand to see if this is the case. Ultimately, whether or not you can pay someone with a credit card depends on the business and the type of payment being made.

How do I qualify for a credit card UK?

In order to qualify for a credit card in the UK, you must be at least 18 years old and have a regular source of income. You will also need to have a good credit history, as this is one of the main factors that lenders will consider when determining your eligibility. If you have a poor credit history, you may still be able to qualify for a credit card by providing additional information about your income and financial situation. Once you have found a card that you are eligible for, be sure to read the terms and conditions carefully before applying. This will help you avoid any unexpected fees or charges.

Can I use credit card in ATM?

You can use credit card in ATM if your card has a Visa or MasterCard logo. You will need to insert your card into the ATM and then enter your PIN. The funds will be withdrawn from your account and you will be able to use them as you wish. However, you should keep in mind that there may be fees associated with using your credit card at an ATM. Additionally, it is important to remember that you can only withdraw a certain amount of money from your account each day.

Can foreigners get credit card in UK?

Yes, foreigners can get credit cards in the United Kingdom. There are a few different ways to go about this, and the best option for you will depend on your specific needs and financial situation. If you have a permanent address and a steady income in the UK, you should be able to qualify for a traditional credit card from a major bank. However, if you don’t have a UK address or income, you may still be able to get a credit card by using a prepaid card or by finding a co-signer. No matter what your situation is, there’s likely a solution that will work for you.

Can I get a credit card without a job?

Many people believe that you need to have a job in order to be approved for a credit card. However, this is not always the case. There are a number of factors that lenders take into account when considering applications, and employment status is just one of them. If you have a steady income from other sources, such as investments or government benefits, you may still be able to qualify for a credit card. Additionally, some cards are specifically designed for people who are self-employed or otherwise do not have a traditional job. The key is to know what lenders are looking for and to build a strong case for why you would be a responsible borrower.

SpotDif’s Credit Cards tips

Read fine print

Take time to read through all the terms and conditions of the credit card you are interested in, this will prevent you from being surprised with fees and extra charges.

Pay on time

When you purchases your credit card make sure to pay off your balance monthly, so as not to ruin your credit score and be dealt any fees.


Keep an eye out for the Annual Percentage Rate, low APR is good, as it is cheaper for you.

Do your research

Understand and learn about credit cards and how they work, read online the best ways of maintaining a good credit score, and what not to buy with your credit card.

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