Some students may qualify for a credit card, although approval depends on factors such as your income, UK address, age and credit history. Look for a low credit limit, manageable interest rate and no unnecessary fees, and check whether the provider is FCA-authorised. Only borrow what you can repay each month, because missed payments can damage your credit record and interest can make purchases more expensive. Compare eligibility checks before applying, as some applications leave a mark on your credit file, and consider a student overdraft or debit card if borrowing is not necessary.