Interest rates
How a credit card's APR actually works
How your APR becomes a daily rate, when the grace period means no interest, and how purchase, cash advance and penalty APRs differ.
Credit card guide
Know what a credit card costs before you apply
Plain-English guides to APRs, fees and credit limits, plus card offers from our partners with the costs side by side.
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All guidesCard costs
What a credit card really costs in a year
How to add up annual, monthly and usage fees plus interest, with a worked example and a guide to reading the rate and fee table.
Card basics
How credit limits are set, and what happens if you go over
What your credit limit covers, what issuers look at when they set it, how it can change, and the rules on going over it.
Card offers
Looking for a card?
These are card offers from our partners for people with fair or less-than-perfect credit. Each one shows its limit, fees and rate, so you can compare the cost before you apply.
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