Loans and Credit Cards

Master the essentials of loans and credit cards to manage finances wisely.

Overview

Whether you're eyeing your first credit card or navigating loan options with mild suspicion, this course takes you through the financial maze without the jargon. We break down the types of credit, how interest actually behaves when you’re not looking, and what all those cryptic terms in loan agreements really mean. No guesswork, just clear explanations.

You'll gain insights into credit scoring, borrowing limits, and the consequences of financial decisions that looked harmless at the time. From APRs to balance transfers, this course helps you decode the fine print and manage money without the monthly surprises. Think of it as financial literacy—minus the lectures and plus a touch of sensibility.

Learning Outcomes

• Understand different types of credit cards and loan options
• Identify the key components of credit agreements confidently
• Explore the long-term impact of borrowing and repayment habits
• Learn how interest rates affect total repayment amounts
• Recognise how credit scores are calculated and maintained
• Navigate financial risks and avoid common borrowing mistakes

Who is This Course For

• Individuals new to personal finance and borrowing
• Students exploring financial independence and credit basics
• Anyone baffled by their credit card statements
• Adults planning long-term purchases or loans
• Budget-conscious consumers managing monthly repayments
• Those curious about how credit scores are built
• People rethinking debt after years of trial and error
• Financial beginners wanting clear, fuss-free explanations

Career Path

• Credit Adviser – £28,000 average annual salary
• Financial Services Assistant – £25,500 average annual salary
• Debt Management Consultant – £31,000 average annual salary
• Loan Officer – £30,000 average annual salary
• Banking Customer Adviser – £26,500 average annual salary
• Financial Literacy Educator – £29,000 average annual salary