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Top 10 credit card tips
1. Keep more than one card in your wallet Have one for balance transfers and one for new spending to maximise interest-free offers.
2. Avoid store cards - they are the most expensive form of credit.
3. Set up a direct debit to pay off at least the minimum each month. Miss this and you'll be hit with penalty charges.
4. Keep within your credit limit.
5. Be realistic when applying for cards. Those with an impaired credit record won't get the best interest-free deals.
6. Don't sign up for cards that charge annual fees.
7. Check there is no fee charged for NOT spending on the card.
8. Check what the APR is charged after any introductory offer.
9. Never use credit cards to withdraw money from cashpoints. The interest rate is higher.
10. Check the fees to use the card abroad.
Source: Time For Money