Ask what the representative APR is, whether it is variable, and how much interest you could pay if you do not clear the balance each month. Check for annual fees, balance-transfer or cash-withdrawal charges, introductory rates, how long offers last and what happens afterwards. It is also worth asking whether an eligibility checker uses a soft search, so you can compare your likely acceptance without affecting your credit file. Read the provider’s terms carefully and confirm details with the FCA-authorised lender before applying.