A credit card lets you borrow up to a set limit, so you should only spend what you can repay. Paying the full balance by the due date usually avoids purchase interest, while paying just the minimum can make debt last much longer and cost more. Check the APR, fees, credit limit, introductory offers and what happens when they end before applying. Compare cards from FCA-authorised providers, and remember that approval and the rate offered depend on your individual circumstances and credit history.