Grace is Money editor at Which?, on the hunt for ways to help people save with smart tips, deals and hacks. She was named Personal Finance Journalist of the Year 2025. With credit card spending and ...

Credit cards have become quite popular amongst people and have turned from a luxury to more of a necessity in today’s time. With credit cards, you do not have to spend cash immediately on purchases as ...

A credit card statement is a full record of your credit utilisation, your spending habits, your interest rates and payment obligations. To effectively manage the use of your credit and avoid falling ...

Credit card users will now receive annual statements detailing all the fees that they’ve been charged over the year – but will it help borrowers manage their debt? Tara Evans takes a look. The 31 ...

If you carry premium credit cards with high annual fees, you know how important it is to maximize statement credits. Here are ...

Enrolling in paperless credit card statements allows for easier management and faster access. Not to mention, it’s better for the environment. Credit card companies use strict security measures to ...

Most people should keep hard copies of credit card statements for at least 60 days. Business owners and charitable donors should keep credit card statements for at least six years in case of tax ...

Learn how credit card grace periods work to avoid interest charges. Pay your balance in full by the due date and keep your grace period active for future cycles.

Learn what total finance charges are, how they're calculated, and see examples to manage credit card debt effectively. Discover common finance charges and saving tips.