Using your credit card | NatWest




Using your credit card

Using a credit card can be a convenient way to help you stay in control of your finances, allowing you to pay off purchases in manageable chunks and sometimes even helping you to earn rewards or cashback.

Manage it responsibly and make your monthly repayments on time and you’ll also be building up your credit score, which could help you to get approved for mortgages, loans, mobile phone contracts and more.

Here is our guide to making the most of your credit card and how to manage it:


One of the easiest and most convenient ways to pay off a credit card debt is by direct debit. You just need to choose a date and how much you'd like to pay off – in most cases you can choose to pay the minimum amount, a fixed amount each month or the full total of your balance. Then, arrange your direct debit by phoning your provider or using online banking.


Alternatively, you can pay your credit card off manually each month. You’ll find all your payment options for your NatWest credit card in our credit card section.

Clearing your balance

  • If you don't completely clear your balance each month, you could be charged interest which can quickly mount up. Interest charges and the way they’re worked out vary between companies, so make sure you know exactly how interest is charged before you apply

  • Depending on your card company, you might be charged for the money you spent that month. For example, if you ran up a credit card bill of £200 during the month and paid off £199 at the end, you could be charged interest on the whole £200, because you were technically still in debt – even if only by £1.  

Late payments and fees

  • To avoid any fees and charges on top of any interest payments, it’s important to make sure you pay credit cards bills on time. If you making lots of late payments, your card provider might increase your interest rate or reduce your credit limit and that could damage your credit rating

  • Paying your balance through a direct debit is good way to avoid late payments, as the money is taken out of your bank account automatically. If you do decide to pay manually, try not to leave it to the last minute - although you can pay your credit card bill by phone or online from your bank the same day, it can take a few days to process a payment to another provider.

Balance transfers

  • A balance transfer is when you move part or all of the money you owe from one credit card to another.  Consolidating your debt onto a single card this way can make managing your money easier, because all your debt will be stored in one place, but bear in mind you could be charged a fee

  • Some credit card providers offer a low interest rate to encourage you to make a balance transfer, but once the introductory period is over, you could end up paying a much higher rate of interest so make sure you understand the terms and conditions before going ahead.
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