Welcome to My MoneyMail Credit Cards Special! 

• Debt education charity Credit Action shows UK consumers are carrying an average of £4,508 of debt - mainly on credit cards - costing an average of £3,204 a year in interest payments
• By taking advantage of credit card offers and shifting balances, UK consumers could save £100s

Transfer your balance - Save £100s

Are you paying interest on credit card debt? Use a balance transfer card to cut your interest payments. Take a look at the UK's best credit card deals below.

Credit cards are a very useful way to pay for goods and services - simply stick to the golden rules:

• Pick a credit card that complements your spending habits - If you clear your balance each month, look for a cashback card or one with loyalty points. If you won't be able to pay it off straightaway, opt for a low or 0% interest rate card.
  
• Set up monthly direct debits - Pay at least the minimum repayment off your card - this way you'll avoid late payment charges.
  
• Keep your eye on your rate - If you have a 0% card make a note in your diary when this rate is due to expire - if you haven't repaid your debt or shifted it onto another card in time, you'll start paying interest.
  
• Protect yourself from fraud - Always check statements thoroughly and check your credit record with a credit referencing company like Experian. If you note any suspicious activity contact your lender immediately.