Welcome to Choosing and Using
Welcome to choosingandusing.com, your free and impartial guide to choosing a credit card and using a credit card.
This simple guide has been put together to help you understand how credit cards work, the factors that you should consider when making your choice and the best ways to use your card.
The site has been created by APACS, the UK payments association. We represent all of the major UK credit card issuers and we've used our industry knowledge to make sure you get the best information on how cards work. If you want to know more about APACS, please visit the website at www.apacs.org.uk.
Credit cards are a useful and convenient way to pay for goods and services – they've become part of our daily lives. With more than 1,500 different credit cards to choose from, the UK has one of the most competitive credit card markets in the world – but that can mean choosing the right card for you can be time consuming.
Getting a credit card is as much about responsible borrowing as it is about responsible lending, so do remember that you may not be able to get the credit card you want, depending on your credit history. In fact, around a third of all applications are turned down.
We hope that you find choosing and using a credit card useful and that it helps you pick the credit card that best meets your needs!
