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5 Signs You Are Not Ready to Use a Credit Card

22nd November 2024

Using a credit card can be a smart financial move, but only if you are ready to handle the responsibility that comes with borrowing money. If not, it can lead to escalating debt, missed payment fees and negative impact on your credit rating which can make future borrowing more expensive or difficult to obtain.

WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Multi Month Loans

How much would you like to borrow:

£200

£750

How long would you like it for?

3 months

6 months

Your monthly repayments are:

Total amount to be repaid:

Annual percentage rate:

New Customer

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £355.99 in monthly instalments of £65.11, £78.35, £64.05, £58.76, £48.16 and £41.56. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.2% APR

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5 Signs You Are Not Ready to Use a Credit Card

How much would you like to borrow:

Your monthly repayments are:

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