Be cautious of cards promoted with eye-catching rates that apply only to a small proportion of applicants, so check the representative APR and your likely eligibility. Look closely for annual fees, balance-transfer or cash-withdrawal charges, and what happens when an introductory 0% period ends. Check the minimum repayment rules and whether missed payments could lead to fees, a higher rate or damage to your credit record. Compare the full terms from an FCA-authorised provider rather than relying only on adverts or comparison-table headlines.