Credit, explained.
Learn what goes into borrowing and credit decisions.
Understand the idea behind the numbers
Credit card rewards: calculate the value after costs
Compare cash back and points with annual fees, interest, redemption limits, and extra spending. Worked examples show when rewards stop being a benefit.
Credit reports and scores: two different tools
Understand credit reports and scoring across countries, model differences, data errors, and the distinction between credit risk and affordability.
Balance transfers and 0% intro APR offers: the real cost, and where they exist
How 0% purchase and balance-transfer offers work: transfer fees, promo length, the rate afterwards, deferred interest, late payments, and whether these cards exist in the US, UK, Germany and the EU. With a worked payoff example and formula.