We'll spend more than £10.5billion on Christmas presents over the next few weeks but are we shopping wisely? It’s not only pre-Christmas sales and discount vouchers you can take advantage of, your credit card may also reward you for spending, says Clare Francis...
Click here to read Clare's article 'Are you getting the most from your credit card?'
Don't forget to vote in our poll: Has your credit card APR gone up this year?
What do you think? Will you max out your credit card this Christmas? Is it working for you or are you struggling to keep up with the payments?
Let us know your thoughts...