Credit cards can suit people who want flexible short-term borrowing, purchase protection, a balance transfer or an opportunity to build their credit history. They are generally most affordable when you repay the full balance by the due date, as interest and fees can make carrying debt expensive. A credit card may be unsuitable if your income is uncertain, you are already struggling with debts or you may only be able to make minimum repayments. Check the card’s fees, interest rate and eligibility requirements, and consider guidance from an FCA-authorised provider or a free debt advice charity if you are unsure.