How to use your credit card for xmas shopping

If you have to use your credit card to make Christmas purchases then try and make it work for you.

Check if there are any rewards or discounts available through your credit provider.

What about zero per cent purchase offers? The trick with these is to know what the reversion interest rate will be once the offer ends and only spend what you can afford.

Another option is to swap your credit card for a debit card. By loading the account up with cash you have you can't overspend.

Source: The Age