The FCA this morning proposed banks should offer customers in financial difficulty an interest-free overdraft up to £500, and let them put credit card and loan repayments on hold for three months.

While borrowers make no payments for three months, card providers often still charge interest on balances during payment holidays, meaning borrowers continue to rack up interest

Virgin Money apologised and reversed its decision, saying that everyone who had their card suspended will be able to use them to make purchases again from Saturday 9 May.

Sadly the numbers of lucrative cashback and rewards cards have dwindled over recent years. But are there still any cashback credit cards worth having? We take a look.

If you are about to buy a big ticket purchase for your home, perhaps some white goods, a new sofa or a television, then this credit card trick could earn you a big reward.

John Lewis has launched a new personal loan, offering borrowers between £1,000 and £25,000. Rates start from a competitive 2.9 per cent. Here's our verdict

Banks reserve their best lending deals for those borrowers with the highest credit scores. To give yourself the best chance of getting a top rate, make some time to tidy up your credit file.

Having a good credit score is vital when it comes to being accepted to borrow and getting the best rate. A new tool claims to be help improve your credit history by saving instead of spending.

The new Preferred Rewards Gold credit card offers Membership Rewards points when you spend which can be exchange for the same value with 12 airline schemes.

I have £40,000 of unsecured debts - £20,000 on two credit card defaults - but having never missed a mortgage payment in 12 years, is it possible to obtain a mortgage?

118 118 Money has launched a new credit card with a difference, instead of fees, interest and charges you pay a monthly subscription. But it could end up costing you far more – here’s why.

It’s aimed at those travelling, living and working abroad to give them more flexibility when spending and sending money and to lower their overall costs.

Every year most of us leave sorting out our holiday spends to the last minute, pushing up the cost. Check out our timeline to take advantage of the best cheap travel spending deals.

All you need to do is make a few simple changes to the way that you spend your money and you’ll have found yourself a brand new source of income.

Travel a lot for work? We have crunched the numbers to help you choose the most lucrative credit card offering air miles, reward points and cashback to use for work expenses

Starling Bank is offering its current account customers personal loans of up to £5,000 from 11 per cent APR. We give our verdict on whether they are worth considering.

Challenger bank, Tandem has launched a new best-buy credit card offering those without a perfect credit rating free holiday spending and cash withdrawals. We take a look.

Some longstanding Virgin Money credit cardholders have been left with charges on their accounts after discovering they had only been making minimum direct debit payments.

Last year 71,000 people used an IVA to become insolvent, a record. But are they being driven by firms looking to make money off debtors looking for advice, regardless of whether it's the right choice?

Virgin Money is refunding loyal customers hit by interest charges after they unwittingly only made minimum payments on their new Virgin Atlantic credit cards.

Households are increasingly saving less and getting into more debt and a payday loan crackdown hasn't solved the problem. This is Money rounds up some of the start-ups trying to help

Nearly three quarters of women said they'd think twice about someone if they debts, compared to 69 per cent of men, according to research from comparison website Finder.

High street giant NatWest denied it was reneging on a five year old pledge to no longer offer 0 per cent balance transfer credit cards to customers, as it announced today it was re-entering the market

A record number of people are heading to debt charities with help over guarantor loans - including Emma, pictured, who paid back £23k after borrowing £10k from Amigo Loans.

As many as one in three people who hold subprime credit cards with interest rates as high as 70% are in problem debt, according to a new report released by the debt charity StepChange.

A long-standing Virgin credit cardholder has accused Virgin Money of 'purposely misleading people for financial gain' after it refused to refund interest charges he incurred on his account.

While it sounds like something out of Blade Runner, a survey found some would take drastic steps to reduce the time it took to pay for their coffee.

Future Finance does recommend students go through Student Finance first, but the cost of repayments should be a red flag for any students considering this option.

Paying a £3,000 credit card bill over two years could cost £1,979 more in interest to an appliccant with a bad credit rating, according to data from TotallyMoney and Moneycomms.

Dave Parr, 38, rang up Three in June to ask for a phone upgrade. Because he asked for a different delivery address, they thought it was fraud and when they couldn't contact him filed a fraud marker.

Ferry passengers incur the charge if they want to be dropped off or picked up by car, or park for the ferry at the end of the half-mile pier.

The Royal Mint announced it has teamed up with card providers Mastercard and Accomplish Financial to create 'Raris', aimed at high net worth individuals after something exclusive.

Have you ever checked your credit report?  If the answer is no, the likelihood is: someone else has. We reveal five top tips for those who have never cast an eye on their financial CV.

American Express and Vitality have launched a new cashback credit card with a difference. The more exercise you do, the more you earn - up to an eye-catching 3 per cent. But is it any good?

Households have £45bn more debt on credit cards, personal loans and overdrafts compared to the start of 2010 - growth of 25% in 10 years, Bank of England data shows.

Laura Heaps, 36, was denied a mortgage after her advisor said she had a default on her credit file. However, rating agency Equifax had mistakenly put her twin sister's historic debt on her report.

If you are someone who is looking to start the new year by paying off more of their debt, This is Money and its personal finance experts are here to help.

Britons paid back more on their credit cards than they borrowed in November - the first time this has happened in more than six years, according to official figures.

Tandem Bank is scrapping its existing, popular, cashback credit card for a membership deal offering a 1.5 per cent savings rate and a credit card that charges no interest, ever. Is it any good?

A large number of buy now, pay later users do not know the full implications of missing payments while a large chunk don't believe the terms and conditions are clear enough.

Those looking to cheaply clear their debts this January could take advantage of 0% balance transfer cards which charge no fees, provided they are happy to pay their balance off quicker.

Britain's largest banking group, which owns Lloyds, Halifax and Bank of Scotland, spelled out changes aimed at those in 'persistent debt' for 36 months.

I have triggered a 10,000 point bonus for spending £15,000 on the card - but it says I can't get them until August 2020 and only if I renew. However, I don't want to pay the £140 annual fee for renewing.

Visa's scheme marks the first time all the UK's banks will pay small stores to offer cashback. Beccy Soper (pictured), of Beccy's Greengrocers in Stockbridge, Hampshire, said: 'It's a win-win'.

In an unusual case, four decades of sticking with Lloyds Bank was the main reason behind a Hertfordshire man obtaining a £12,000 mis-sold PPI payout.

The Financial Conduct Authority has told banks to help customers get out of debt, amid concerns of a potential wave of credit cards being scrapped under new rules.

UCAS will stop sending out emails advertising private student loan provider Future Finance, the student charity announced today, following a backlash over the promotions

Buy now, pay later has become the way for the younger generation to pay. Is it a dangerous form of credit or a useful way for shoppers to pay flexibly?

A shopper who used buy now, pay later service Klarna to pay for a £199 vacuum cleaner in three 'interest-free' instalments was left confused after he was charged an extra 4.5%.

Credit card customers of high street bank Halifax have reportedly been hit by charges when trying to make Klarna repayments, the buy now, pay later firm said.