You need to make at least the minimum payment each month, even during an interest-free period. Set up a Direct Debit for the full monthly balance, or for as much as you can afford to repay. This will mean you don’t miss a payment, which could lead to unwanted charges and the loss of any introductory rate. Missing payments could also damage your credit rating. You’ll have a credit assessment by the card provider when you apply, which will usually include checking your credit reference file. A good credit rating will improve your chances of a successful credit application. It could also give you access to cards offering the lowest interest rates and/or promotional offers. You need to be at least 18 to apply for a credit card. With some cards the minimum age is 21.
