Credit Cards Explained

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About Course

A practical guide to using a credit card well in the UK: how interest, the interest-free period and minimum payments work, what balance transfers and cash withdrawals really cost, the extra protection you get, and what card companies must do if you are stuck in persistent debt.

Tutwoo is an independent learning provider. This course gives general information about UK credit cards, checked against Citizens Advice, FCA-related and Financial Ombudsman Service guidance in October 2026. It is not financial advice.

What Will You Learn?

  • Read a credit card statement and understand the interest-free period See why paying only the minimum is expensive Use 0% offers and balance transfers without falling into traps Know your protections, including section 75 and the FCA persistent debt rules

Course Content

Course Lessons

  • How a credit card works
  • Minimum payments, 0% deals and balance transfers
  • Protection and getting help

Sources & Further Reading
The official guidance this course is based on.

Final Assessment

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