Wondering how best to organise your Christmas finances? Have no fear; there are credit card providers queuing up to offer you the festive period’s best credit card deals. Which one you choose will depend on how you plan to use your card.
Using your Christmas credit card
For those people looking to spend a lot of money, rewards-based Christmas credit card applications may be the best option. Points are accumulated and then redeemed for specific products at a later date. Planning to buy now and pay off the balance later? Make sure your pick has a low-interest rate to save money and avoid high fees.
Spending patterns and your Christmas credit card
Like all cards, qualification for holiday offers is dependent on your credit score and financial history, as well as your current budget and spending patterns. If you spend more than you can pay off, be sure you know how much interest you can expect to pay on any outstanding balance. Late payments mean even higher interest.
It’s also a good idea to make sure you qualify for your chosen card before applying – filling out applications for cards you’re then declined for wastes time and can have a negative effect on your credit score.
Get your perfect holiday card today.