You can use your credit card worldwide as they are accepted in millions of places at home and abroad, so they are very handy in any language. There are often fees or charges for using your credit card overseas, so check you credit card agreement before you go.
When you get a credit card you will be given a credit limit. This is the total amount you have available to spend using the credit card. You should always leave some available credit on your credit card for any interest to be applied.
Details of all transactions you make will be shown on your statement, along with:
the minimum amount you must pay
the date by which your credit card provider must receive at least your minimum payment
If you do not pay off your balance in full each month, you will be charged interest on the amount remaining on your account. Check your credit card agreement to make sure you know how much you will be charged.
HOW IS A DEBIT CARD DIFFERENT TO A CREDIT CARD?
A Debit Card works using the money you have in your bank or building society account. So when you spend using a Debit Card it comes straight out of your account. You'll see the details on your bank account statement.
HOW DOES A CREDIT CARD PROTECT MY PURCHASES?
When you make a purchase that costs between £ 100 and £ 30,000 with your credit card the law gives you certain rights. For example, if you do not receive your order, something you buy is not as it should have been, or the supplier is unable to fulfil your order because it has gone out of business, you may be able to make a claim against the supplier, your credit card provider, or both.
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