Looking here never changes your Credit Readiness.
What these terms mean
APR
The Annual Percentage Rate, the yearly cost of borrowing on the card if you carry a balance, including interest and standard fees, expressed as a percentage. It’s printed on your statement or credit agreement.
Credit limit
The most you’re allowed to owe on the card at any one time, set by the card issuer. Going over it can trigger a fee or a declined transaction, depending on your card’s terms.
Minimum payment
The smallest amount you must pay each month to keep the account in good standing. Paying only the minimum means the rest carries over, and interest applies to it: it isn’t the amount that clears the balance.
Promotional rate
A temporary rate, often 0%, that some cards offer for a set period, commonly on balance transfers or new spending. Once the period ends, the rate usually reverts to the card’s standard APR.
Keeping a credit card in order
A credit card has more dates than most bills: the payment due date, the minimum payment and, on many cards, the day a 0% period ends. Wisemium keeps the balance, the limit, the rate and those dates with the rest of your household bills, so each one is in front of you before it arrives.
Add it from a statement, or type the details yourself. What Wisemium read from a document and what you confirmed are kept apart, and anything unknown stays blank.
Wisemium does not arrange credit, choose a lender or give credit advice, and it is not authorised by the Financial Conduct Authority. Your agreement is what sets the terms.