Cards & Loans
Credit cards, loans, overdrafts and debt help
Cards & LoansCar finance commission: how to complain now while the redress scheme is on hold
The FCA scheme covers agreements from 2007 to 2024 but a legal challenge means payouts unlikely before 2027. Complain free now
Cards & LoansFree debt help: where to get regulated advice and what the options are
StepChange, National Debtline and Citizens Advice are free. Breathing Space, priority debts and DMP, IVA and DRO basics
Cards & LoansOverdraft costs near 40% APR: cheaper ways to cover the gap
Arranged and unarranged overdrafts explained, why the rate is so high, and how to move the debt somewhere cheaper
Cards & LoansBuy now pay later is now regulated: what changed on 15 July 2026
BNPL under FCA rules means affordability checks and Ombudsman access, but older agreements stay unregulated. Late fees still bite
Cards & LoansHow to improve your credit score, and why lenders do not see your number
Free access to all three agencies, the electoral roll, utilisation, hard v soft searches and fixing errors on your file
Cards & Loans0% balance transfer cards: how they work and the traps to avoid
Shift card debt to 0% interest, understand the transfer fee, use a soft-search eligibility checker and clear it before the deal ends