In terms of what you will need to provide, it's generally straightforward. Questions you can expect on a credit card application include:

• Your name

• Contact information

• Date of birth

• Address and how long you have lived there

• Residential status (tenant, owner, living with parents, etc)

• Your annual income

On a balance transfer or money transfer credit card application, you will need to have the details of the other accounts you are transferring to your new credit card.

There’s no prescribed number of credit cards you should have. It all depends on your personal circumstances, but it’s a good idea for most people to have at least two credit cards. One for everyday spending that helps earn rewards or cashback, which you’d preferably pay off in full every month. And then another, which you keep for emergencies to pay for unexpected expenses, such as car repairs or having to travel at short notice.

While physically they might look and operate the same way, the difference is in the source of funds the card is using. A credit card allows users to borrow money up to a predetermined limit, which you pay back with interest if not paid in full every month. Debit cards, on the other hand, are linked to your account and directly deduct funds for purchases, requiring sufficient balance without incurring interest.

To cancel a credit card you no longer wish to have, you’ll first have to make sure you pay off any remaining balance on the card. Once you've done that you can contact your credit card provider and ask them to cancel the card. Once the card has been cancelled, check your credit report to make sure it’s been reflected on your credit record. This won’t happen right away, so wait a few weeks after you cancel the card to check your credit report. 

Cancelling a credit card can impact your credit score as it’ll affect your credit utilisation, which is the percentage of overall borrowing against your total available credit. A high credit utilisation ratio can lead lenders to think your finances are a bit tight.

When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 30 days.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

We compare over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.

There are also many credit cards that are only available to people in member organisations and clubs.