Interested in credit cards? Credit cards are a convenient method of obtaining credit and, despite some bad press, when used properly they can provide flexibility & a range of useful benefits for the cardholder. CLICK HERE TO APPLY FOR master cards.

Regular spender; balance always cleared in full each month

Interested in credit cards? You're often using your card for purchases - perhaps it's the household shopping or your trips to the gas station - but you clear the debt in full each month. Under these circumstances the interest rate charged is irrelevant One of the best ways to guarantee you'll always clear your outstanding balance is to set-up a direct debit for the full amount ea0ch month. CLICK HERE TO APPLY FOR master cards.

Interested in master cards? If you're regularly using your plastic and rarely or never repay the debt in full your best bet is a card with an introductory purchase rate or an ultra low standard rate. Choosing a credit card with a low standard rate will help to save you money if you can't be bothered shopping around when the introductory period expires. In addition, if you've built up a debt on your existing card then it's time to consider switching to a credit card also offering a low balance transfer rate. There are plenty of cards offering 'double deals' - a low introductory rate combined with a low balance transfer rate (often 0% for both), although the duration of the offer will vary so it's worth shopping around. Depending on the deals on offer, two separate cards for your purchases and balance transfers shouldn't be ruled out. If you do opt for an introductory rate then you'll need to change to a new low rate credit card once that deal ends, otherwise you'll pay interest at the standard rate. CLICK HERE TO APPLY FOR credit cards.

Interested in master cards? If you're determined to clear your outstanding balance - you need to assess just how long it'll take you & how disciplined you'll be with your repayments. It's important to find the card that'll help to save you the most money. The outstanding balance will be much lower at the end of the introductory period. Ideally, once one introductory offer expires you'll transfer your balance to a new card and as a result will continue to avoid interest charges. CLICK HERE TO APPLY FOR credit cards.

master cards for you. CLICK HERE TO APPLY FOR credit cards.

Interested in master cards? So you like spending on your card and you're pretty good at clearing your balance from month-to-month but just occasionally you choose to carry a balance forward. It doesn't sting quite so much if you've prepared in advance by catering for this very situation. In this situation it makes sense to choose a card that offers a low standard rate, that way interest charges for those months when it is applied aren't too hefty. Choose no annual fee, and if possible select a card with a reward or cash back scheme. It's worth noting that these plans are not always available on the cards with the lowest rates so do your calculations before you opt for one. CLICK HERE TO APPLY FOR credit cards.