Understanding credit cards

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

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Close-up of a man's hand working with a credit card, banking and shopping online.
Understanding credit cards

What is a balance transfer?

A credit card balance transfer is when you transfer the balance from one card, where you might be paying a higher a...

Published on May 17th, 20194 mins read
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Victoria Smith

Close-up of adult man's hand holding mobile phone, coffee drink, and credit card.
Understanding credit cards

Credit cards for low income & self-employed

Credit cards for low income, unemployed and self-employed people.

Published on May 17th, 20192 mins read
Author photo

Vanessa Stewart

Close-up of human hand tapping an aqua credit card on bus tfl card reader.
Understanding credit cards

How credit card payments work

Learn how credit card payments work, how and why credit card charges are applied and how to manage payments.

Published on May 8th, 20195 mins read
Author photo

Victoria Smith

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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.

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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.

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