Credit Cards: A Girls Guide to Finding the Perfect One.

We all know that girls love to shop till they drop, so it’s essential to make sure you are armed the best credit card to help you splash the cash. While shopping the only interest you want is in what you're looking for; you don’t want to have to worry about the interest creeping up while you are browsing the best bargain buys. Girls love to accessorise right down to every little detail, such as your credit card - with the huge variety out there you are sure to find the best one to go with any outfit, which fits perfectly into that matching purse.

Find the best deal for you:

Credit is the best way to ensure you get what you want when you want it. As long as you stay on top of your spending you can enjoy those shopping sprees without worrying about the repercussions. There are many credit cards to choose from which all offer different deals to suit your needs. However one aspect stays the same no matter which card you choose, which is if you pay off your bill in full every month, it doesn’t matter how high the interest rate on your card is because you will never have to pay it. 

We girls know how to shop for a bargain so treat looking for a credit card the same as if you were buying a new pair of shoes- try and get the best deal. If you clear your bill each month, then go for a card with no annual fee, or, perhaps one which offers you some kind of loyalty bonus such as points, Air Miles or cash back, which you can put towards those designer shoes you’ve had your eye on.

There are dozens of cards on the market offering 0% interest on balance transfers, typically for 5 or 6 months but the ones to look for are the ones that offer over 13 months. Many banks also have special debt-transfer offers to entice new customers, which might give you the opportunity to pay off depts from an expensive card at a reduced rate for a limited time period.

Things to be aware of:

We all know there is no such thing as a free lunch, so keep this in mind when looking for a new credit card as there are likely to be some drawbacks to look out for.

You should always bear in mind that the reduced rate does not apply to new spending, only to the transferred balance. Some firms also ignore the first year's annual fee for new customers with a certain amount in their bank account, so it may be an advantage to apply for a credit card in an account that holds a substantial amount of your money.

Be aware that most, if not all credit cards will charge you if you miss the monthly deadline set for your payment, this amount won't be more than £12, which doesn’t seem a huge amount but may still hinder you being able buy that new handbag you were planning to purchase.

The easiest and most efficient way to avoid penalties is to set up a Direct Debit from your current account to your credit card to pay off at least the minimum amount each month, this way you don’t have to try and remember to do it each month. You should also be aware that you will be charged if you go over your credit limit, as well as being charged interest immediately on a new purchase if you didn’t pay off your last bill in full. 

Once you are fully aware of the pro’s and con’s and you know which card to choose to suit your preferences and shopping needs, all you need to do now it find the best card to match your outfit at all times - we all know blue and green should never be seen.