Credit Club covers many different types of credit products on the market, each with its own specific purpose and goal. Wallet Workout is a ‘chatbot style’ tool to help you figure out which type(s) could save you money, if any at all.

It does this by asking a few questions about your circumstances, crunching the data then presenting what it thinks the best options are for you - be that a credit product or further guidance on improving your financial situation in other ways.

The suggestions are only there to give an indication - as always, make sure you fully understand the terms and consequences of any product and how you should be using it before applying.