Before applying, compare the card’s representative APR, fees, rewards and eligibility requirements, and use an eligibility checker where available to reduce the risk of a hard credit search. Have your address history, income and employment details ready, and make sure the information matches your credit report. Only apply if the repayments would be affordable within your budget, even if you do not clear the balance each month. Check that the provider is FCA-authorised and read its terms carefully before submitting your application.