Christmas may still be 12 weeks away but if you’ll be putting any of your spending on plastic, now’s the time to apply for a new credit card. So which deals could help you avoid Christmas debts, and which cards could even make you money? Steve Willey, head of credit cards and prepaid cards at moneysupermarket.com, looks at the best deals to help you through one of the most expensive times of the year…

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hmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm

I wonder who would be foolish enough to be putting christmas on plastic this year!

Perhaps this year will be about spending time with loved ones and not so much on the material.

May I suggest "secret santa" set a budget for all family members and see who could come up with the most wackiest gift! Then there is no need to worry for six months into your New Year on how you plan to pay back the plastic!

However, it you got the money to do so and can pay back the plastic, have a wonderful Christmas!