I have a credit card with a particularly high interest rate. Whenever I apply for a more favourable card I get declined. Has anyone encountered this problem? If so, can you advise me how to get rid of my current card for a better one?

Your credit score is one of the most important numbers you’ll carry through life—like it or not.

No one asks if you want one. No one tells you when you get one. No one tells you what it is unless you pay to find out.

Yet this measure of your money management determines whether your application for a credit card, auto loan or mortgage is approved or rejected. Insurers use it to set premiums, and employers look at it when you apply for a job