Cardeo Credit is a flexible credit facility to refinance existing credit card borrowing.

What that means is you can transfer your credit card borrowing to Cardeo. We pay off all or some of your credit card debt, and you pay us back instead.

We only do this when you qualify, and when we can beat your credit card interest rates. So if you’re offered Cardeo Credit – it will be at a lower interest rate than some or all of your credit cards, saving you money.

Cardeo Credit is not a credit card. You won’t get any plastic through the post and you can’t use it to pay for goods and services. Instead you get to hold on to your existing credit cards even while you use it, so you can continue to enjoy their perks.