Buying on credit


This isn't a comparison site.

We are dedicated to giving you the information you need to understand how to use your credit card to buy things on credit

The pros of buying on a credit card




When using a credit card to buy there are some plus points. However, you should watch out for high APR rates if you're using your credit card to make large purchases.

You should not make a purchase using a credit card that you don't think you'll be able to pay back.

Pro: you can buy something and pay it off in instalments

You can buy what it is you have your eye on! More than that, you can spread the cost of the purchase so you don't have to pay for it all in one go.


Pro: you may earn points or rewards for using your card

Many credit cards come with rewards or points systems for when you spend on your card. The credit cards with the best rewards schemes usually go to those with the highest credit scores. Learn more here.
Pro: you'll have purchase protection

If you pay for something using a credit card your purchase is protected. That means if the company you bought from goes bust, your credit card issuer will likely refund you.




Our beginners guide to building credit the right way can show you how to improve your credit score to get the best credit card offers.


Improve your credit score to get the best credit cards


The cons of buying on a credit card




Now we know why using a credit card can be a good thing - let's look at some of the drawbacks to buying on credit.

Con: buying on credit can cause you to spend more than you can repay.

Buying on credit is easy - which can lead some people into a debt trap when they start using credit cards. If you're currently struggling with debt look at our blog on debt repayment options.


Con: buying on credit too much will impact your credit score

Using too much of your available credit limit or applying for credit multiple times can impact your credit score negatively. For more information see our guide to building credit.
Con: additional fees and charges


Buying on credit or using credit cards can come with additional charges and fees. Some cards have high interest rates. Usually the credit cards with the lowest interest are only available to those with the best credit scores. Build your credit score to get low APR cards here.


Con: you might not be able to use your credit card everywhere

Some shops may not allow you to purchase using certain credit cards so you may be restricted in where you can use them.




Our beginners guide to building credit the right way can show you how to improve your credit score to get the best credit card offers.


Improve your credit score to get the best credit cards


Other ways of borrowing money if you have bad credit 

If you have bad credit and are waiting to build your credit score you might want to think about other ways to borrow money.

Take a look at these below: 



Build credit to get a credit card