Credit card companies aren’t charities. They want your money, preferably as much as they can get. They mostly do this by charging you annual fees and interest on your unpaid balance when you don't pay off the full amount owing each month.
That's not to say that credit cards can’t be helpful when used sensibly. They’re handy when you're short of cash or just don't want to carry a lot of cash with you. They're a convenient way to pay for everyday things like shopping – but that convenience also comes with a cost. For example, research has shown that people often spend more when using a credit card than when they use cash.
So before you apply for a credit card, think about why you want one, how you will most likely use it and, especially, how you will pay for it. Will you use it every day, or just for emergencies? Will you pay off your balance every month, or just the minimum? How important are rewards or frequent flyer points?
It's not ideal to use a credit card to pay off other debts because a high interest rate, plus other fees and charges, could end up costing you even more in the long run.
If you are having trouble with debt, you might do better to consider a no-interest or low-interest loan, or seek advice from a financial adviser, rather than get a credit card.