Buy Now, Pay Later (BNPL): Is it worth it?
Find out the pros and cons of Buy Now, Pay Later, including whether it affects your credit score, if there are any fees, and how it compares to other payment options.
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News and tips on credit cards, loans, mortgages and other money matters
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I’ve got an overdraft, so do I need a credit card?
If you are using your overdraft, do you need a credit card too? What are the pros and cons of each?
Borrowing
Can I get a credit card refund?
Buying on your credit card can protect you under Section 75. But what exactly is it and how do you get a credit card refund?
Borrowing
What is a good credit score in the UK?
Looking to borrow money, or get a mortgage and want to know if you have a good credit score? We simplify the scoring system to help you get your finances in shape for the new year ahead.
Borrowing
Why have I been offered a higher interest rate than advertised?
If you find credit with an attractive APR, you might be pretty annoyed when you apply and it’s higher. In this blog, Ocean explains why lenders can offer different customers different rates.
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