When you borrow money using a credit card, interest will be applied to any outstanding balance if you do not pay your account off in full every month by the due date.

You need to check how that interest is applied. Some cards will give you around two months before interest is added but with others interest will be applied from the date your purchase is made.

You need to be aware of the order in which your payments are applied to your account. For example, payments may be applied to interest on special offers with lower interest rates before they are applied to cash withdrawals, which often attract higher interest rates. This information will be found in the Conditions of Use which is included in marketing literature and on statements.

Interest rates vary greatly between different cards so you should check carefully before deciding which one is right for you.