Step Three

Shop around. The Mail on Sunday’s financial news-site, www.thisismoney.co.uk currently lists more than 60 major card providers, many of whom offer at least four different cards. And it’s not just banks and building societies who offer low cost plastic.



You can now get credit cards from hotel groups like Hilton and Marriot, supermarkets like Asda and Tesco and a host of other companies from The AA and the Post Office to Sky and Saga. The crowded market means there should be plenty of good deals out there if you look hard enough. Fortunately several shop-around websites will do a lot of the hard work for you. As well as the Mail on Sunday site you can look at a host of others from moneysupermarket.com to moneyexpert.com. Researcher Moneyfacts reckons there can be several dozen 0 per cent transfer deals on offer at any one time though the terms and conditions on all of them can vary widely.