Manage your account the easy way
Credit is a common way of borrowing money for things you need right now, but want or need to pay for later. Each month you'll pay back some or all of what you've borrowed along with a little extra (interest). The more you borrow and the longer you take to pay it back, the more interest you'll need to pay.
Sticking to the three key things below will help you on the path...
Build your credit rating and avoid a fee by repaying the minimum payment each month.
Bonus hint: You can pay more to pay off your balance quicker and pay less interest. Set up a Direct Debit so you never miss a payment date.
Got a balance? If the answers 'yes' then you'll need to make your payment on time. each month. This due date is on your statement, which you can find by signing into your online account.
Bonus hint: Pay on time and pay the right amount by setting up a Direct Debit.
Stay within your credit limit
There's a maximum amount of credit you're allowed to borrow (credit limit). You can find your limit by signing into your online account.
Bonus hint: Set up an alert that gives you a nudge if you get close to your credit limit by signing into your online account.