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Consider credit card charges before making big purchase

Consumers should think about possible credit card charges before they make any big purchases.

That is according to Justin Modray, spokesman for Candidmoney.com, a website dedicated to helping people better understand and look after their money.

He claims that credit cards can become an expensive way of shopping and can result in the person descending into "a spiral of debt".

"If you have a credit card debt that you can't afford to repay within a couple of months, then apply for a zero per cent card with a view to transferring your balance and if that's not possible, then come up with a plan to repay the debt as quickly as you can," Mr Modray said.

He added that people who are tempted to spend more than they can afford should "think twice".

This is because it is better to save up for something than "rack up expensive debts", Mr Modray revealed.

John Fieldman

Having worked in the city for 19 years, John's main focus is interest rates and corporate finance.
 ADNFCR-2776-ID-800709678-ADNFCR



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