No matter how carefully you plan, every now and then you may have to make an unexpected payment. With a Visa credit card, you are ready for anything — whether you need to get the car repaired, make a long trip to visit relatives or just want financial peace of mind.

A Visa credit card can also help you to take advantage of bargains and budget for bigger buys, such as a family holiday or new furniture. You can buy what you need, when you need it and spread the cost over several months.

You stay in control
A Visa credit card is linked to a line of credit separate from your main bank account. When you make a payment with the card, your available credit is reduced by the amount spent. You can choose to pay off the total amount spent at the end of each month or spread the cost over time.

A Visa charge card works in exactly the same way but the amount spent must be repaid in full at regular intervals.

With a Visa credit or charge card, it is easy to track what you have spent, because details of every transaction are recorded in regular statements.