Understanding credit cards

APR? Money transfer? Fees and charges? Let's make a clear look at credit cards, without all the confusion...

Credit cards category

Latest articles

Page 1 of 8
Man paying with his phone against a card reader
Understanding credit cards

Section 75 Card Protection

What does Section 75 cover, and how does it protect your credit card purchases? Find out how to claim, and how Aqua...

Published on October 24th, 20268 mins read
Author photo

Hayley Bevan

Lady sitting in front of a laptop looking at her phone
Understanding credit cards

How to Check Your Credit Score

Find out how to check your credit score in the UK and why it’s worth checking regularly.

Published on October 23rd, 20267 mins read
Author photo

Hayley Bevan

Couple sat at the table looking at laptop
Understanding credit cards

What is a 0% Interest Credit Card?

What is a 0% interest credit card and how does it work? Learn how your eligibility is determined and how 0% interes...

Published on October 23rd, 20267 mins read
Author photo

Hayley Bevan

Man checking credit card in front of his laptop
Understanding credit cards

What is a CVV Number?

What is a CVV number, and why do retailers ask for it? Find out where to find yours, how it protects you, and how t...

Published on October 22nd, 20266 mins read
Author photo

Hayley Bevan

Credit card being tapped on card reader
Understanding credit cards

What is Credit Utilisation?

Learn the key facts about credit utilisation - what it is, how it works, why it’s important for your credit score a...

Published on June 4th, 20268 mins read
Author photo

Hayley Bevan

Man holding credit card in front of laptop
Understanding credit cards

When to use credit cards for large purchases

Planning a big purchase? Find out when using a credit card makes sense, the benefits and risks, and how an Aqua car...

Published on May 26th, 20267 mins read
Author photo

Hayley Bevan

One adult male sitting indoors working with calculator and laptop
Understanding credit cards

The UK’s top credit myths debunked

Discover the truth behind some of the biggest misconceptions about credit and top tips for building a strong credit...

Published on May 26th, 202610 mins read
Author photo

Hayley Bevan

Couple sat at a table looking at paperwork
Understanding credit cards

How Often Does Your Credit Score Update?

Learn how often your credit score updates in the UK, the factors that can cause it to change and how long it takes ...

Published on April 20th, 20267 mins read
Author photo

Hayley Bevan

Close-up of adult man working on laptop with wireless technology and mobile phone.
Understanding credit cards

How long does it take to improve your credit ...

Discover how long it takes to improve your credit score, the actions you can take to improve it and how an Aqua cre...

Published on April 20th, 20266 mins read
Author photo

Hayley Bevan

Explore all topics

Click on the boxes below to read more content

Budgeting your money
News and insights
Staying safe
Understanding credit cards

Any topics you'd like us to cover? We're keen to find out! Please send your ideas to our Instagram.

Credit available only to UK residents aged 18 and over. Subject to status. Terms apply. The APR and credit limit applicable to your account will depend on our assessment of your application. Credit score could increase with responsible account management. Instant spend is subject to successful identity verification. Failure to make payments on time or to stay within your credit limit means that you’ll pay additional charges, and may make it more expensive and difficult to get credit in the future.

aquacard logo
  • Credit cards
  • Aqua Classic credit card
  • Balance transfer credit card
  • Compare credit cards
  • Contact us
  • Cookie policy
  • Privacy policy
  • About us
InstagramYouTubeTikTok
Download on the App StoreGet it on Google Play

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA's Lending Code. Copies of the FLA's Lending Code can be obtained from www.fla.org.uk.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

Google Pay is a trademark of Google LLC.

© NewDay Ltd. 2026