Can a credit card help me improve my credit score?

Using a credit card can be a good way to show that you can handle borrowing and debt management.

Most lenders will look at your credit file, along with other information including your income and outgoings when you apply. Having a good credit file means that you put yourself in a better position when approaching most borrowers.

You can check your full credit report, track your credit score, and monitor the impact of your borrowing on your score using Know Your Credit Score in the NatWest mobile app. Criteria applies.

You can manage your credit card in a way which will help to improve your credit score. For example, you should always pay your credit card balance on time every month and stay within your credit limit to ensure good credit history.

Before applying, you can check to see if you're eligible (opens in a new window) without affecting your credit rating.