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A low advertised interest rate that sends a credit card to the top of comparison tables may not be the rate you receive.

When APR is ‘representative’ it means only 51pc of accepted applicants - those who are actually accepted for a credit card - must be offered the advertised rate.

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Visit PNC Achievement Sessions » Pursuant to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the credit card agreements below were submitted to the Federal Reserve Board.

These agreements were effective as of June 30, 2017.

"Set up a direct debit to cover at least the minimum monthly repayment amount as paying late or missing a payment will result in charges and the loss of any promotional offers," he said.