How to use your credit card at Christmas…

Many financial counsellors recommend that consumers using credit cards to pay for Christmas spending should follow some simple rules:

1) Set limits and stick to them. The best way to do this is to decide on what you are going to buy before you go out.

2) Don’t spend on your credit card if your already have revolving debt. Extra spending will make your debt problem worse.

3) Check out your credit card’s offers, discounts and rewards to maximise benefits