If you’re considering applying for a credit card, it’s important to ensure you know how they work. In this guide, we answer some of the most commonly asked questions….  Q1: How do I choose a credit card? There are many different types of credit cards available so it can be hard to know where to start when deciding which one is right for you. One of the easiest ways to look at it is to consider exactly what you need a credit card for. Click here on this link to know more:- https://vocal.media/trader/credit-card-fa-qs-get-answers-to-all-your-questions How much can I borrow? The amount you can borrow with a credit card will depend on your credit limit, but this is often a few hundred or a few thousand pounds. Your card provider will decide this based on factors such as your credit score (more on this later), how much available income you have after meeting your regular financial commitments, and whether you have other types of credit, such as a mortgage, loan, or overdraft. For more information about credit cards question click on this link. Q How long does it take to get a credit card? Many credit card providers now offer instant approval for credit cards when you apply online. Others take around five to 10 days to make their decision. Once you’ve been approved for a credit card, it should arrive within 10 working days. You will usually need to activate the card once you have received it by calling an automated number. As soon as you have done that and received your PIN, you can start using your new credit card. Q I change my mind after I’ve applied? Yes. Once you receive your card you have 14 days (known as the cooling-off period) to inform the provider that you’ve changed your mind and want to cancel the agreement. If you have already used the card, you’ll need to repay the outstanding balance within 30 days. Q Can I pay off my credit card debt early? Yes. Unlike with personal loans, there are no penalties if you want to clear your balance early. Note that if you have a 0% introductory offer with your credit card, it’s important to pay off the balance in full before the 0% deal ends and interest is charged. Q Can I get a joint credit card? In a word, no – but you can add additional cardholders who will then have their own card. You’ll share the single credit limit on the account, but the primary cardholder will be responsible for clearing the debt. Q Can I use my credit card abroad? Yes, you can, but it may be expensive as many credit cards charge a foreign transaction fee of around 3% every time you spend. You’ll also be charged for cash withdrawals on top, with interest charged from the moment you get your money.