Which card should I get?
When deciding which card is best for you there are three main factors which you should weigh up

• Rates and fees:
  Interest fees on credit cards tend to be very high, but they do vary greatly between companies. Some companies provide interest free periods
• Repayment options:
  Credit cards will either insist on you repaying a minimum repayment per month or a percentage of the outstanding balance, usually around 5%
• Penalities:
  Some companies have penalty payments fro late or returned payments or if you exceed your credit limit
• Perks: These may include discounts, free gifts, cashback on purchases or the prestige of owning a certain card

So how do I decided?

• Do you intend to repay the balance in full every month?
  if a card which offers a longer interest free period and no annual fee is probably the most appropriate
• Do you intend to pay the minimum amount eac month?
  if you intend to use the card for ongoing borrowing you should look for a card with a shorter interest free period and lower rates
• Do travel frequently or for long periods?
  then you may wish to obtain a card which allows you to pay by direct debit
• Are you bad with money?
  then perhaps you should reconsider getting a credit card! If you still wish to get a card you should bear in mind the penalties for late payment etc.