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But, crucially if you have debt but still need to use your card regularly, Sainsbury's also does a 30 month interest free deal on both new purchases and balance transfers, offering Nectar incentives here too.

Just watch out for the same 18.95% interest rates after this period and transfer fees.

Song: "The Power of Love" Artist: Huey Lewis and the News Why it's worthy: This horn-heavy riff on the money-can't-buy-love theme, written by affable bar-band veteran Huey Lewis for the hit Michael J.

Fox film "Back to the Future," gave the News their first No. In a Hollywood twist, Fox and his movie rock band croon Huey's classic refrain, "Don't need money, don't take fame/Don't need no credit card to ride this train" to Lewis, a judge in the battle-of-the-bands scene.

Now, it’s all about working out the best credit card deals for your personal circumstances and needs.

The best way to do a credit card comparison is to decide what you want from the offer and work backwards.

As long as the balance is paid off by the end of the period, these cards stack up against the best of the interest free finance or purchase loans you’d find on the high street - from furniture or electrical retailers for example.

The watchwords here are ‘paid off’ though, and if you think it’s unlikely that you’d clear the debts even over two and a half years, you are probably better off seeking out the best long term low rate deal, currently for purchases in the first three months up to £125, up to 1% after that when you spend up to £10,000 and 1.25% when you spend more than that.

does a 30 month interest free deal on new purchases.For a 0% transfer fee you'd be mad not to go for it if you've got debts you need to re-organise. No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you. That's not much time to build up a musical repertoire.Some credit cards are even designed to help those with bad credit to improve their credit rating, helping open the door to a whole range of other financial products they may not have otherwise been eligible for.Long gone are the days of simply using a credit card to buy goods and services.

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