Using a credit card can be a convenient way to pay for goods and services and give you more choice about where you shop. It can be a cheap way of borrowing money for a short period of time but can work out expensive if you can't pay off the whole amount you owe each month. Information on how credit cards work, choosing and applying for one, costs, charges and potential problems.

Information about plastic cards including credit cards, store cards and charge cards.

Borrowing money has become tougher since the credit crunch, but there are still several different ways to do it.