Whether a credit card is worth it depends on how you use it and whether you can repay the balance on time. It may offer purchase protection, rewards or a 0% interest period, but interest and fees can make borrowing expensive if you only pay the minimum. Check the representative APR, annual fees, promotional end date and eligibility before applying, and avoid taking out several cards in a short period. If you are already struggling with debt, consider free guidance from a debt charity such as MoneyHelper or StepChange.