Using your credit card

Smart credit management is easy with guidance for using your credit card wisely.

What Happens If You Don’t Pay a Credit Card?

Find out what happens if you don’t pay your credit card, including information on late fees and what could happen to your future credit card bills.

Explore the risks and rewards of having multiple credit cards, and the best strategies for managing multiple credit cards.

See if you’re pre-approved for a credit card offer – there’s no impact to your credit to check.

Earn 5% cashback on everyday purchases at different places each quarter, up to the quarterly maximum when you activate.