I've started using a Lloyds TSB Duo Avios card to try and improve my credit rating (yawn yawn).

However, I've lost the sheet I got with it explaining everything and can't remember what it said about paying it off. What's the deal with credit cards? Do they send you a statement at the end of the month? Or is it up to you to sort it out as and when?

I know this post makes me sound like a complete twat.