A useful credit card checklist should cover the card’s representative APR, fees, interest-free periods, balance transfer terms and any rewards or cashback conditions. Check your eligibility first using an eligibility checker, as making several full applications could leave hard searches on your credit file. Review the credit limit you can afford, repayment dates, fees for missed payments and charges for using the card abroad or withdrawing cash. Before applying, compare FCA-authorised providers and read the full terms, particularly if you may carry a balance.