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$Plain English advice guide helps Britain\'s credit card holders$

Plain English advice guide helps Britain's credit card holders

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A Christmas Credit Card Cracker

Although the summer holidays have only just ended, Christmas will already be on the minds of many and the majority of those will be wondering how they are going to pay for it. Undoubtedly most will attempt to tighten their belts and cut the amount being spent and others will resort to using the plastic to pay for it all.

If you are planning on using your credit card then make sure your smart when you’re using it. The credit card market is very competitive at the moment so depending on your credit rating then you’re bound to find a credit card to suit your needs and come with some great benefits. Below are a couple of cracker credit cards which will help you when preparing for Christmas.

For those of us who already have a balance on their credit card and want to use it for purchases then one of the best Purchase and Balance transfer cards on the market is the Virgin 13/13 Credit Card which gives you 13 months 0% on balance transfers and 13 months 0% on purchases, so whatever you buy in the run up to Christmas you won’t be charged interest on until next summer.

Spreading the cost of Christmas over a longer period of time is a sensible way of ensuring you have a great Christmas without the debt hangover. Using a 0% on purchases card is a great way of budgeting for Christmas and spreading the payments over a longer period of time. The Tesco Clubcard Credit card gives you 0% on purchases for 15 months and if you use it to spend in store then you can also collect Clubcard points which will earn your discounts on items from Tesco.

Most of the time it is much easier and sometimes cheaper to buy your gifts online, if this is your cunning plan then the Capital One Click Card could make the whole process much easier still. It is designed to offer you exclusive access to great brand discounts and also enhanced security when shopping online.

Finding the right credit card and being smart when your using it can make Christmas a much less of a worry and take a much smaller toll on your finances in the new year.

Moneyextra.com recommends you take independent financial advice before acting on any article

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Moneyextra.com's Top Picks

Barclaycard - Platinum Credit Card with Balance Transfer
	Balance Transfers	Purchases	Representative APR (Variable)	Benefits
	0% for 22 months (2.9% fee)	0% for 3 months	17.9% APR	Cash Advances - 27.9% Free Purchase Protection Max Purchase Protection: £5000
Representative example: assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.				Details

Royal Bank of Scotland - Platinum MasterCard
	Balance Transfers	Purchases	Representative APR (Variable)	Benefits
	0% for 22 months (3.2% fee)	0% for 6 months	17.9% APR	Intro Cash Advances 28.0% for Life Internet Fraud Protection
Representative example: assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.				Details

Halifax - Balance Transfer Credit Card MasterCard
	Balance Transfers	Purchases	Representative APR (Variable)	Benefits
	0% for 22 months (3.5% fee)	0% for 3 months	17.9% APR	Intro Cash Advances 28.0% for Life Internet Fraud Protection
Representative example: assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.95% PA. 0% for the first 22 months on balance transfers up to £3,000. You must have an annual income of £20,000 or more to apply				Details

Barclaycard - Platinum Balance Transfer Visa
	Balance Transfers	Purchases	Representative APR (Variable)	Benefits
	0% for 21 months (2.6% fee)	0% for 3 months	17.9% APR	Cash Advances - 27.9% Free Purchase Protection Max Purchase Protection: £5000
Representative example: assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA.				Details

Virgin Money - Credit Card MasterCard
	Balance Transfers	Purchases	Representative APR (Variable)	Benefits
	0% for 20 months (2.99% fee)	0% for 3 months	16.8% APR	Intro Cash Advances 27.9% for Life Internet Fraud Protection
Representative example: assumed borrowing of £1200, representative 16.8% APR (variable). Purchase rate 16.8% PA.				Details

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Plain English advice guide helps Britain's credit card holders

Credit cards 'are not a solution to debt problems'

Top tips for managing your credit card

Brits need an extra day in the week to get everything done

A Christmas Credit Card Cracker

Balance Transfers

Purchases

Representative APR (Variable)

Benefits

Balance Transfers

Purchases

Representative APR (Variable)

Benefits

Balance Transfers

Purchases

Representative APR (Variable)

Benefits

Balance Transfers

Purchases

Representative APR (Variable)

Benefits

Balance Transfers

Purchases

Representative APR (Variable)

Benefits