Watch for unclear APRs, unexplained fees, high charges for cash withdrawals, and promotional rates that end without an obvious ongoing rate. Be cautious if an application encourages borrowing more than you can afford, hides the minimum repayment, or pressures you to decide quickly. Check the provider’s details and FCA authorisation, and apply through a secure official website rather than an unsolicited link or message. Read the full terms, including balance-transfer fees and missed-payment charges, before accepting an offer.