Credit cards

How cards charge interest, what the fees mean, and how to pick one that fits.

Everything here is written for the United Kingdom. Terminology, protection limits and regulators differ between markets, so a guide from another country will not transfer cleanly.

Answer
How Credit Card Interest Works in the UK
The interest-free period, how the daily rate is applied, what Section 75 gives you, and what the minimum payment is actually designed to do.
Updated 25 August 2026 · 4 min read