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Savvy Credit Card Tips!

According to the Motley Fool finance website, personal debt in the UK runs currently over £1.2 trillion. While this figure does include mortgages, it still illustrates just how easy it is for us to get into debt. And, most of the time, we do it without even really realising it!

Here are some tips on making the most of your credit card. These pointers will help you keep your debt to the minimum as well as get the maximum from your credit card.

First of all, make sure that you pay the balance off in full, every month. This will save you a fortune in interest charges.

And if you do have an outstanding balance on your card, why not move the balance to a 0% balance transfer credit card? However, do be aware that most lenders now charge an administration fee for this sort of service. So try and find a provider who will do a balance transfer fee-free.

Look for a card that gives you rewards for paying off your balance in full. This could be in the form of airmiles, days out or cash back for example.

Also, if you have expensive purchases to make, why not use a card with a 0% introductory period? This is a great way to make a major purchase without incurring interest charges.

Finally, if you are the sort of person who spends on their credit card without giving it a second thought, it could be time to ditch it!

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