Any discrepancies should be reported immediately to the company. Other forms of borrowing can prove cheaper, e.g. a personal loan or extension of your existing mortgage. These options should be considered before applying for a credit card. Purchases made abroad may not appear on your statement for a few months and it is therefore difficult to determine whether or not they have been debited to your account. Interest rates tend to be high and vary between companies.
Some companies provide interest free periods.
Other companies have penalty payments for late or returned payments or if you exceed your credit limit. Most credit card companies insist on you repaying the minimum repayment. This can be found on your monthly statement. In deciding which card is the best for you, you will need to assess how you use the card. For example, if you use the card for convenience shopping and would want to repay the full balance at the end of the month, then cards that offer a long interest free period with no annual fee could prove more appropriate.