When reading credit card reviews, compare the representative APR, annual or foreign transaction fees, balance transfer terms, rewards and eligibility requirements. Check whether the review explains who the card may suit, rather than relying only on a star rating or introductory offer. Customer comments can highlight service issues, but experiences vary and should be treated as one source of information. Before applying, check the provider is FCA-authorised and use any eligibility checker available, as each lender makes its own decision.