Credit Library

Find all the information you need on credit scores, credit building, debt and financial management

An 'Excellent' credit score could save you could save you tens of thousands £s over a lifetime.

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Credit card limits and rewards

How do I get a low APR credit card?
What is a good APR rate for a credit card?
What credit score do I need for low APR?
Will my credit score affect my APR?
Does a high credit limit affect your credit score?
Why do credit cards give cashback?
How do cashback credit cards work?
How to calculate cash back on credit cards?

Credit scores

Why does a credit score matter?
How do I improve my credit score?
Who decides my credit score?
Will applying for credit hurt my credit score?
What makes up a credit score?
What’s the fastest way to build my credit score?
How long does it take to build credit?
How much will being on the electoral roll improve my credit score?
How long does it take to fix my credit score?
How much can my credit score change based on my credit utilisation?
How do I check if I am on the electoral roll?
What is Experian/Equifax/TransUnion?
What is a CRA?
Why are my credit scores different?
What score does ClearScore show?
Does withdrawing cash from credit card affect credit score?


What does in credit mean?
What does in debit mean?
What is APR?
What is AER?
What is Credit Card utilisation?
What is a CCJ?
What is an IVA?

Credit card management

Why is my available balance less than my balance?
How many credit cards can I have?
How many credit cards is too many?
Does Aldi take credit cards?
Should I get a credit card in the UK?
What is my credit score if I never had a credit card?

Information hubs

For more information make sure you look at our information hubs! 

Credit Card Information Hub

Portify is here to help navigate the difficult decision making process around finding the right credit card for your situation. Credit cards and credit options can be complicated and we want to make sure you have all the information you need to make the right choice.

We’re not a credit card comparison site. Our goal is to empower you to make the right choice on your own.

Learn about the world of credit cards before deciding which one to choose. Explore credit card types for balance transfers, building credit, travel & more.

Click here to go to the credit card information hub.

Credit Builder Information Hub

For all our information on credit builders and different ways to build credit, please look at our credit builder information hub.

We’re not a comparison site. Our goal is to give you all the information you need to make an informed decision.

Learn about the world of credit builders including credit builder cards, loans apps and more! 

Click here to go to the credit builder information hub.

Debt management

How long does an IVA stay on my credit report?
Is an IVA better than a CCJ?
I can't pay my credit cards what will happen?

Building credit

What is a ‘thin’ credit file?
How does information show on my credit report?
How can I build credit with no credit history?
Do I need a credit card to build credit?
How can I build my credit score when I have a CCJ?

High limit credit cards

How can I get a credit card with a high limit?
How to get a higher credit limit?