Use an eligibility checker that carries out a soft search, which should not affect your credit score, before making a full application. It can compare your circumstances with a card provider’s criteria, but it cannot guarantee acceptance because lenders make their own decisions after checking your income, affordability, credit history and other details. Check your credit reports are accurate and apply only for cards that appear suitable, as multiple hard searches may be viewed negatively. Review the card’s APR, fees and eligibility requirements, and use an FCA-authorised provider where possible.