Credit cards and store cards can be a convenient way to manage finances, but they are also common areas for mis-selling, leaving many customers at a disadvantage. Mis-selling may occur when cards are offered without proper affordability checks, leading to unmanageable debt, or when promotional offers are presented without clear information about high interest rates or fees that follow. Hidden charges, such as annual fees or over-limit penalties, may also go undisclosed, and customers can be sold cards with unsuitable features that do not align with their financial needs. Understanding these practices is essential to identifying and addressing potential mis-selling issues.’