This is Money has put together the reward points cards with the steepest APRs, and how the card companies are making money off you even if you're clearing your balance each month.

When Danny Cheetham took out his first payday loan ten years ago he only wanted £100 for a night out. He was a student and paying back £128 after 22 days didn't sound like a bad deal.

Laybuy made a big impact in its native New Zealand, claiming it signed up 200,000 people and partnered with 2,750 stores in just 18 months.

Nationwide is scrapping a scheme allowing credit and debit cardholders to earn cashback on their spending after the building society admitted it wasn't worth the time and resources.

Credit card companies have slashed the number and length of their 0% balance transfer deals in a bid to get a lid on Britain’s debt crisis, new analysis suggests.

More than 6,000 people have joined the waiting list for a mobile only credit card that promises to approve customers in less than three minutes.

New Zealand pay later platform Laybuy has marked its official UK launch by announcing a partnership with well-known high street brand Footasylum.

UK credit cardholders paid the price for withdrawing money using their credit cards last year, being stung with £219million in fees and charges.

The longest 0% balance transfer deal has been slashed below 30 months for the first time in more than five years, prompting further concerns that owners of such cards could end up in trouble.

At the launch event in Cupertino, California, the iPhone maker debuted a white titanium card with no number, security code, expiry date or name, only the Apple logo. Could it launch in Britain too?

Two years ago, top balance transfer credit cards offered customers 43 months to clear their debt without paying interest. The longest deal today lasts just 29 months.

Data shows that 5% of all point of sale transactions in 2017 in Britain were made using a mobile wallet. How does that compare to other nations around the world?

Those thinking of putting money on the 5.15 at Aintree on Saturday could be making a mistake far costlier than backing the wrong horse - using a credit card to bet.

Effective from Friday, Mastercard will stop prepaid travel card holders from paying in pounds in a bid to crack down on travellers paying high currency exchange rates.

The Government should introduce new regulation for the bailiff industry ‘to stop unfit enforcement agents and companies from practising’, MPs have said.

Tourists are routinely offered a chance to pay in their 'home' currency at restaurants, shops or hotels abroad in a process called 'dynamic currency conversion'.

Regulators at the Financial Conduct Authority are taking aim at the industry, which allows hard-up consumers to borrow money provided a friend or family member agrees to pay it back if they default.

It is Bristol where the highest proportion of card payments are swiped, with 73 per cent of 11.5million card transactions in the West Country city using contactless.

The European Commission says that interchange fees, where the merchant's bank pays a charge to the cardholder's bank, result in higher prices for consumers.

Contactless technology already allows shoppers to spend up to £30 without having to enter their Pin. But, with NatWest's new card, there will be no need to enter a Pin at all.

Swedish fintech Klarna attracted 25,000 new UK users each week in the last three months of last year, as it celebrated a bumper 2018 that saw global revenue increase 31% to £445m.

Amazon and American Express have slashed the sign-up bonuses and spending incentives on some of their cards.

If you believe you had loans or credit agreements such as an account with a catalogue company or a long-forgotten credit card – you could be eligible to make a claim for mis-sold PPI.

If used smartly, credit cards can still be an effective spending tool and even earn you money. Shoppers now have around 166 different deals to choose from.

From June 11, Amex's card will be made from metal rather than plastic, and cost £575 a year compared to £450 now.

HSBC's Reward Credit Card is available to Advance current account holders, and pays you reward points on all your purchases. We see how it stacks up against the best of its rivals.

A personal loan provider is offering customers the chance to lower their APR, if they improve their credit rating while holding the product.

If the future of the UK increasingly looks cashless, then no one may be better placed to reap the rewards than MasterCard

Britons' credit scores have improved on average across the country, but no region can boast more than just a 'fair' rating, a new report has revealed.

'Buy now, pay later' firms will be banned from charging backdated interest on already repaid amounts of money from November, under new rules announced by the financial regulator

While bumping your credit card spending when saving for a house might not seem like the brightest idea, you could be doing your chances of getting a mortgage more harm than good by avoiding plastic.

Those who have pawned off items and want to get them back may feel anxious following the news, but according to the company's website you can still do so.

Customers looking to make big purchases with a NatWest credit card will be able to pay a set monthly fee rather than their card's APR, under a new mobile-only offer announced by the bank.

Households have just one month left to make a PPI claim with their bank or credit provider. And with the clock ticking, PPI sharks have ramped up their campaign to get a chunk of your money.

Mike Weaver, 61, took out several payment protection insurance policies when he set up his radio hiring business in 1991. He recalls being told that he had to buy PPI to get the loans he needed.

Periods of free borrowing on best-buy balance transfer cards have shortened by nearly 20 per cent in a year, according to figures compiled by data company Moneyfacts.

The final deadline for making a complaint about payment protection insurance (PPI) is midnight tomorrow (August 29).

Many credit cards offer reward points that can be exchanged for air miles. If you can pay off the balance every month, these cards are a good place to start racking up air miles.

Average card rates have surged since the financial crisis, climbing from 16 per cent in 2006. But at the same time, typical savings rates dropped sharply to all-time lows and barely recovered since.

Data from Moneyfacts found that in September the average credit card purchase APR rose to 24.7 per cent, an all-time high since its records began in June 2006.

For five days after it went into administration the company did not mention the matter on its website. Glint says its app still works as normal and users could still deposit money into it.

New research reveals that nearly half of all UK credit card holders -around 17million people nationwide - have never switched their card.

Britain's biggest payday loan collapse since Wonga could be on the cards as QuickQuid is on the verge of going into administration, according to reports.

M&S.com has partnered with Clearpay on the new service with the payment option due to be available to all UK M&S.com customers from mid-November.

Shoppers now pay an average of 25.1 per cent on credit card purchase. It means that a customer who borrowed £3,000 and paid off £100 a month would pay £1,463 in interest overall.

Love it or loathe it, Black Friday weekend is looming. This is when retailers are expected to shower shoppers with juicy discounts for a few days only.

An app-based card provider which allowed users to pay with gold has been rescued from administration, having fought off a hostile takeover bid from one of its own creditors.

Buy now, pay later juggernaut Klarna announced it has signed up over 60,000 retailers so far in 2019, including Microsoft and travel agent Expedia, as it prepares for a bumper Black Friday.

Smartphone bank Tandem is axing its cashback credit card for new customers, and from January those who want to use its successor will have to pay a membership fee.

The popularity of the likes of Klarna and other firms which let you spread the cost of purchases over instalments means credit card providers are increasingly adopting that model instead.