Ask about the representative APR, interest-free periods, annual or balance-transfer fees, and what happens when an introductory offer ends. Check how repayments are calculated, the minimum payment, charges for late payments or cash withdrawals, and fees for using the card abroad. It is also sensible to ask whether you are likely to meet the provider’s eligibility criteria, as applying can leave a mark on your credit file. Compare the full terms from an FCA-authorised provider and consider whether the card suits your budget before applying.