Whether you're a student, new to credit or are starting over, there are credit cards designed for your situation.

In line with the triple lock, the State Pension will rise by 4.1 per cent – up £472 a year – matching wage growth in 2024.

Look for cards with low fees and transparent terms, and don't forget to continue practicing good credit habits.

Credit card APR is the annual interest rate on your credit card. But what is a good APR for a credit card and is it possible ...