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2. You might be considering changing to another credit card company. It is a good idea if your credit card company charges are high. Use the comparison web sites to check out the best offers. Be wary of 0% deals that charge you a transfer fee. If your balance is substantial, find a card where there is no transfer fee. Some cards offer great deals with no transfer fee and a low APR but have restrictions on who can apply. You might find that a small transfer fee and low APR will suit you better. Do your calculations. Read the terms and conditions carefully. You can go to the credit card company through the links on the comparison web sites.

3. Plan your use of your credit card just as you would your monthly budget. Most cards will give you 56 days between payments and if you pay off the balance when you get your bill, you will not pay any interest. This means that you can do your shopping, buy your fuel or have a night out without exchanging any cash until you receive your monthly salary if you time it right. Most companies will ask you when you want to pay your bill each month.

The company you choose should offer you online banking facilities so that you can check your account when you want, with the facility to pay your monthly bill online.

4. Look for the credit card companies that have special deals with partner companies where you can make savings. For instance, if you book your annual holiday with some cards, you will get a substantial discount on the price of your holiday in addition to any discount the tour operator gives you. Other companies offer discounts on purchases.

Some credit card companies have reward or cash back schemes where you receive a percentage of the money you spend as vouchers to spend in high street retail outlets, on holidays, or receive cash.

You can choose a card that supports a charity and you can often choose a special design to suit your own taste.

5. Your personal insurance is a major expense for your holiday, and if you choose the right credit card you will get a free annual insurance for you and your family. There may be restrictions on its use so check the offers carefully.

6. Safety is a big concern, particularly when you make purchases on the Internet. It is better to use a credit card than a debit card because the credit card company protects you. If your purchase does not arrive or the goods are faulty and you are unable to get satisfactory reimbursement from the seller, your credit card company will refund your

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